Tired of Lenders Not Understanding Your Income?
As a self-employed professional, your income doesn’t fit into a neat box. We know that traditional T4 slips don’t tell the whole story. Our expertise lies in working with your financial documents to present a clear and accurate picture of your earnings to lenders, unlocking the mortgage you deserve.
Using ‘Add-Backs’ to Gross Up Income
We work with lenders who understand that business expenses like depreciation, CCA, and business use of home can be “added back” to show your true earning capacity.
2-Year Average vs. Most Recent
Depending on your income trend, we’ll present either your 2-year average or most recent year’s earnings to show you in the best light possible.
Showing a Stable Business History
We help demonstrate the stability and growth potential of your business through proper documentation and presentation of your financials.
Stated Income Programs
For established businesses with strong cash flow, stated income programs offer streamlined approval based on your business banking history.
Alternative & B-Lender Solutions
When traditional lenders say no, we have relationships with alternative lenders who specialize in self-employed borrowers.
Financing for Mixed-Use Properties
Need a property that serves both business and residential purposes? We understand the unique financing requirements for mixed-use investments.
Essential Documents
- 2 Years of T1 General Tax Returns
- Notices of Assessment (NOA)
- Proof of Business Registration
- Financial Statements (if applicable)
Additional Requirements
- 3-6 Months Business Bank Statements
- Accountant’s Letter (if available)
- Contracts or Letters of Intent
- Professional License (if applicable)
Your Guide to a Stronger Application
Download our free guide on how to prepare your financials for a mortgage application. Learn what lenders are looking for and how to present your income effectively.
I was discouraged after my bank rejected me because of my freelance income. Mona understood my business financials right away and found a lender who saw my stability. I’m now a homeowner because of her.
