Apply
Start your stated income application
Takes about three minutes. Nothing here affects your credit — it simply gives us enough to tell you what your business income supports.
Common questions
Application questions
Does applying affect my credit score?
Submitting this form does not pull credit. A credit check only happens later, with your consent, once you decide to move ahead.
What documents will I need later?
Typically two years of business bank statements, notices of assessment, business licence or incorporation documents, and financial statements if you are incorporated.
How long does approval take?
An initial read on qualifying income usually comes within one business day. A full lender approval commonly takes two to five business days once documents are in.
Is there a fee to apply?
No. There is no cost to apply or to have your situation reviewed. Any lender or broker fee on an alternative-lender file is disclosed in writing before you commit.
What down payment do I need?
Stated income purchases generally start at 10 percent down, and 20 percent or more opens a wider lender list and better pricing.
Can I apply if I have bruised credit?
Yes. Credit history is one factor among income, down payment and property. Send the details and we will tell you honestly where you stand.