Who it helps
Built for people whose tax return understates what they earn
If you invoice, drive, build, shoot, sell or care for a living, your income is real — it just doesn't arrive as a pay stub. Find your situation below.
The short answer
Stated income mortgages help any self-employed borrower whose net taxable income is lower than their true business earnings — including tradespeople, owner-operator drivers, realtors, daycare providers, freelance creatives, accountants and rideshare drivers. Qualification is based on documented business revenue rather than employment income.
Accountant
Self-employed accountants and bookkeepers
See how it worksDaycare Provider
Licensed and home-based daycare providers
See how it worksPhotographers & Videographers
Photographers and videographers
See how it worksRealtor
Realtors and licensed sales professionals
See how it worksTradesperson
Tradespeople and contractors
See how it worksTruck Driver
Owner-operator truck drivers
See how it worksUber & Lyft Driver
Uber and Lyft drivers
See how it works70%
of self-employed Canadians report deductions that lower taxable income
2x
typical qualifying power when revenue — not net income — is reviewed
7+
industries funded through stated income underwriting across BC, AB & ON
Your line of work not listed? It still probably fits.
Send a few details and we'll show you the number a self-employed lender would actually use.
Don't see your occupation? The approach is the same for consultants, cleaners, caterers, hairstylists, personal trainers, farmers and anyone else paid by invoice. Ask us about your situation.
Common questions
Self-employed borrower questions
Which self-employed jobs qualify for a stated income mortgage?
Any income earned through a business you own or control: trades, trucking, real estate, rideshare and delivery, daycare, photography, consulting, accounting, hairstyling, personal training, catering and farming among many others.
How long do I need to be self-employed?
Most lenders want two years in the same line of work. Some will consider one year when there is prior experience in the same field and strong credit.
Do I need to be incorporated?
No. Sole proprietors, partnerships and incorporated businesses can all qualify. Incorporation only changes which documents show the income.
What if I have both T4 employment and business income?
Mixed income is common and helpful. Salary is verified with pay stubs and a letter, while the business side is supported with bank statements and financials.
Does a commission-only job count as self-employed?
Usually yes for underwriting purposes. Realtors, mortgage agents and commissioned sales people are assessed on documented earnings rather than a fixed salary.
What if my occupation is not listed here?
The method is identical for every trade and profession. If you invoice for your work and write off expenses, the same stated income approach applies.
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.