Locations
British Columbia, Alberta and Ontario
Mortgage lending rules are federal, but markets are local. We work with lenders active in all three provinces and know which ones are comfortable with your property type.
The short answer
We arrange stated income mortgages for self-employed borrowers throughout British Columbia, Alberta and Ontario, including Vancouver, Surrey, Victoria, Kelowna, Calgary, Edmonton, Toronto, Ottawa and Hamilton. The documentation approach is the same in each province; lender appetite and property considerations differ.
British Columbia
Stated income mortgages for self-employed borrowers in Vancouver, Surrey, Victoria and across BC. Qualify on business income, not just your T1.
Vancouver · Surrey · Burnaby · Richmond · Victoria · Kelowna · Abbotsford · Nanaimo
British Columbia details
Alberta
Stated income mortgages for self-employed borrowers in Calgary, Edmonton and across Alberta. Qualify on business income, not just your tax return.
Calgary · Edmonton · Red Deer · Lethbridge · Airdrie · Grande Prairie · Fort McMurray · Medicine Hat
Alberta details
Ontario
Stated income mortgages for self-employed borrowers in Toronto, Ottawa, Mississauga, Hamilton and across Ontario. Qualify on documented business income.
Toronto · Ottawa · Mississauga · Brampton · Hamilton · London · Kitchener-Waterloo · Barrie
Ontario detailsBuying in one of these provinces?
Send a few details and we'll show you the number a self-employed lender would actually use.
Common questions
Province and city questions
Are stated income mortgage rules different in BC, Alberta and Ontario?
The underwriting rules are federal and identical. What changes by province is lender appetite, property values, land transfer or property transfer tax and typical closing timelines.
Do you work outside major cities?
Yes. We arrange financing in smaller cities and rural areas across all three provinces, though rural, acreage and unique properties have a shorter list of comfortable lenders.
Which province has the strictest lenders for self-employed borrowers?
None is strictest by rule. Lender comfort tracks property type and marketability more than geography, so an urban condo and a rural acreage can face very different lists in the same province.
Can I buy in one province while living in another?
Yes, but the property's location determines the lender list, appraisal process and closing costs. Owner-occupied and rental purchases are underwritten differently.
Do city-level rules affect my mortgage?
Municipal rules affect taxes, zoning and speculation or vacancy levies rather than mortgage qualification, but those costs are counted in your debt-service ratios.
How do I find information for my city?
Open your province below and choose your city for local property mix, typical price points and the stated income approach that works there.
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.