Self-Employed & Business Owners
Your business success should help you qualify — not hold you back
Self-employed and incorporated income is often misread by lenders. My job is to document it properly and position it with a lender who understands how business owners actually earn.
The Challenge
Tax-efficient often looks "low income" to a lender
Business owners and self-employed professionals structure their finances to be tax-efficient. That's smart — but a standard mortgage review can read the resulting net income as weak, even when the business is strong.
The solution isn't to overstate anything. It's to present your income accurately and completely, using the documentation approach and lender that recognizes your real financial strength.
Income Approaches
How we can document your income
T1 General / NOA
Traditional income from your tax returns and Notices of Assessment — often with add-backs for legitimate non-cash deductions.
Business-for-Self (Stated)
Programs designed for self-employed borrowers whose tax returns understate true earning capacity.
Corporate & Dividend Income
For incorporated professionals: salary, dividends, and a fair view of retained earnings and corporate health.
Bank-Statement Income
Demonstrating consistent business deposits when that better reflects your real cash flow.
Note: All income strategies are legitimate, documentable, and lender-acceptable. We never recommend misleading or artificial documentation. The right approach depends on your specific situation and lender criteria.
What To Prepare
Documents that strengthen your file
- Two years of T1 Generals and Notices of Assessment
- Two years of business financial statements (if incorporated)
- Business registration or articles of incorporation
- Recent business bank statements
- Confirmation that taxes are up to date
- Details of any existing debts and obligations
Don't have everything? That's fine — part of my role is helping you assemble and position the right evidence.
Let's position your income properly
Bring your situation — even if your last tax return doesn't tell the full story. We'll build the strongest legitimate case.