Self Employed

We offer low rates and excellent mortgage options specifically designed for self-employed individuals. One of the key advantages we provide is fast mortgage approval, even for those who have been previously declined. We understand the unique challenges and complexities that self-employed individuals face when applying for a mortgage, and we are here to help.

Our mortgage options take into consideration your reduced taxable income resulting from claimed expenses. We understand that self-employed individuals often have significant expenses related to their business operations, and these expenses impact their qualifying income. That's why we offer Stated Income mortgages, which are particularly useful for those with expenses affecting their qualifying income.

We also consider dividend and investment income as part of our mortgage approval process. As long as you can provide stability and proof of these sources of income, we will take them into account when evaluating your application.

When applying for a mortgage with us, there are several documents that you will need to provide. These include your Notice of Assessment, T1 Tax Statement, proof of principal ownership in the business, any relevant contracts or financial statements, and a copy of the Article of Incorporation or business license.

We have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. These lenders accept reasonable income estimates, allowing us to find the best mortgage option for your specific needs.

We also offer options specifically tailored for Business For Self (BFS) borrowers. Our team has extensive experience working with self-employed individuals, and we understand the unique needs and challenges of running a business. Give us a call today to discuss your mortgage options and find the best solution for you.

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