Self-employed individuals can benefit from low mortgage rates and excellent options thanks to fast approval processes, even if they have been declined previously. These mortgage options take into account reduced taxable income resulting from claimed expenses. Those with qualifying income affected by expenses can make use of the Stated Income mortgage. Furthermore, dividend and investment income are accepted as long as stability and proof requirements are met. To apply for these mortgages, individuals need to provide various documents 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. Access to a range of top Canadian lenders, including major banks, mortgage finance companies, credit unions, and alternative financers, is available, with these lenders accommodating reasonable income estimates. Tailored options are also provided for Business For Self (BFS) borrowers. For more information, please contact me.