Resources

Self Employed Guides

Documents, income calculation and lender options for business owners and contractors.

Start here: complete guide

How Self Employed Income Is Calculated for a Mortgage in Canada

The big question for self employed borrowers: what income will the lender actually use?

Is salary or dividends better for qualifying? It depends on the lender, your history and your timeline.

Self employed approvals move faster when the lender gets a complete package that matches your business structure.

Many self employed files aren't weak. They're just presented the wrong way.

Self employed borrowers often have more than one path. The trick is choosing the right lender lane from the start.

Strong business cash flow doesn't always turn into the mortgage you expected. Why, and what to do about it.

Self employed pre-approval is less about a number and more about a lender ready plan before you shop.

Three tax documents, three different questions. What each one tells a lender.

A quick conversation shows you what is possible and what to watch for. No obligation.