For self-employed individuals, there are low rates and excellent mortgage options available. Even if you have been declined in the past, fast mortgage approval is still possible. These mortgage options take into consideration the reduced taxable income that comes from claimed expenses. If you have expenses that have impacted your qualifying income, a Stated Income mortgage could be helpful. Dividend and investment income are also accepted, but stability and proof requirements must be met. When applying for these mortgages, certain documents will be required such as the Notice of Assessment, T1 Tax Statement, proof of principal ownership in the business, contracts or financial statements, and a copy of the Article of Incorporation or business license. You will have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers that accept reasonable income estimates. Tailored options for Business For Self (BFS) borrowers are also available. Contact me for more information.