British Columbia · Alberta · Ontario
Your write-offs shouldn't decide the house you can buy
Stated income mortgages qualify self-employed borrowers on documented business revenue instead of net taxable income. If you invoice for a living, this is the path built for you.
No credit pull to start the conversation. Call 604-780-5173.
The gap in one example
- Business revenue
- $220,000
- Net income after write-offs
- $70,000
- What a bank qualifies you on
- $70,000
A stated income lender looks at the revenue, the consistency and the real operating margin — then sets a qualifying income that reflects how the business actually performs.
The short answer
A stated income mortgage lets self-employed Canadians qualify using documented business income — bank deposits, financial statements and invoices — rather than the reduced net income on their tax return. It is a regulated lending product; income is verified, just through business records instead of a T4.
We read the business, not just the return
Deposits, contracts and financial statements together show what you really earn and how reliably you earn it.
The file is built before it's sent
Gaps get fixed up front, so the lender sees a complete, defensible income picture on the first pass.
Matched to lenders who do this daily
Self-employed programs vary widely. We send your file where the program actually fits it.
Who this is for
If your income arrives by invoice, settlement, commission or e-transfer, you're in the right place.
What you'll need
Nothing exotic — mostly records your bookkeeper or accountant already has.
- Six to twelve months of business bank statements
- Two years of financials or T1 Generals with business activity statements
- Proof the business exists: licence, GST number or incorporation
- Recent invoices or contracts showing current work
- Notices of assessment with no outstanding tax balance
Where we work
Lending rules are national; markets and lender appetite are not.
British Columbia
Vancouver · Surrey · Burnaby · Richmond · Victoria · Kelowna · Abbotsford · Nanaimo
British Columbia detailsAlberta
Calgary · Edmonton · Red Deer · Lethbridge · Airdrie · Grande Prairie · Fort McMurray · Medicine Hat
Alberta detailsOntario
Toronto · Ottawa · Mississauga · Brampton · Hamilton · London · Kitchener-Waterloo · Barrie
Ontario details
Not sure what your business income qualifies for?
Send a few details and we'll show you the number a self-employed lender would actually use.
Questions people ask first
What is a stated income mortgage?
A stated income mortgage is a Canadian mortgage program that qualifies self-employed borrowers using documented business revenue — bank deposits, financial statements and invoices — rather than the net taxable income on a personal tax return.
Who qualifies for a stated income mortgage?
Self-employed borrowers with a business history of roughly two years, reasonable credit, a documented revenue stream and a down payment that meets the lender's self-employed program requirement.
Do stated income mortgages cost more?
Not always. Pricing depends on credit, down payment, property and whether the mortgage is insured. Well-documented files often price close to standard rates.
Where do you arrange these mortgages?
Across British Columbia, Alberta and Ontario, including Calgary, Edmonton, Vancouver, Surrey, Victoria, Toronto, Ottawa and Hamilton.
More detail in the full guide, or see real-world scenarios.
Find out what you actually qualify for
Send your details and we'll review your business income the way a self-employed lender does — no credit pull to start the conversation.