Traditional Income
Some applications use personal tax returns and Notices of Assessment to verify qualifying income.
Solutions for business owners
Self-Employed Mortgages
Self-employed borrowers may have strong cash flow but taxable income that does not fully reflect the business. I help organize the application and review lender programs based on your business, income, credit, and down payment.
What to consider
Clear guidance for your situation
Every mortgage application is different. These are the main areas we review when building your plan.
Business Financial Review
Depending on the lender, business financial statements, bank statements, contracts, or other records may support the application.
Alternative Programs
Where standard qualification does not fit, alternative lending programs may be considered, usually with different rates, fees, equity, or credit requirements.
The process
From first conversation to closing
I keep the process organized and explain what is needed at each stage.
Business Review
Discuss ownership, industry, time in business, revenue, expenses, and income history.
Document Strategy
Determine which documents best support the lender program being considered.
Lender Comparison
Compare prime, insurable, alternative, or stated-income-style options where available.
Approval & Closing
Complete lender conditions, business verification, appraisal, and legal steps.
Common documents
Documents you may need
The exact document list depends on the lender, insurer, borrower, and property.
- Personal T1 Generals and Notices of Assessment
- Business financial statements, when required
- Business and personal bank statements
- Articles of incorporation or business registration
- HST/GST returns, contracts, or invoices, when requested
- Down-payment and property documents
Information on this page is general and does not guarantee approval. Mortgage approval is subject to lender and insurer requirements, credit review, income verification, property review, and supporting documentation.
Ready to discuss your mortgage?
Book a free consultation and get clear next steps based on your situation.