We offer competitive mortgage rates and excellent options specifically designed for self-employed individuals. Understanding the unique challenges faced by those who run their own businesses, we provide fast mortgage approvals, even if you have experienced previous declines. Our focus is on making the financing process smoother and more accessible for self-employed borrowers.

Many traditional mortgage programs struggle to accommodate self-employed clients due to reduced taxable income caused by claimed business expenses. To address this, we offer specialized self-employed mortgage options that take these deductions into consideration. One such option is the Stated Income mortgage, which is particularly beneficial for borrowers whose qualifying income is impacted by expenses that reduce their taxable earnings.

We also accept dividend and investment income when accompanied by proof of stability, allowing a broader range of income sources to support your mortgage application. To ensure a smooth process, a set of documents is typically required. These include your Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, relevant contracts or financial statements, and a copy of your business’s Articles of Incorporation or business license.

Our mortgage solutions provide access to a wide network of top Canadian lenders. This includes large banks, mortgage finance companies, credit unions, and alternative financiers who accept reasonable income estimates from self-employed borrowers. We also offer tailored options for Business For Self (BFS) borrowers, designed to meet your specific financial situation.

If you’re self-employed and looking for reliable mortgage financing with competitive terms, please don’t hesitate to give me a call. I’m here to help you find the best mortgage solution that fits your unique needs.