Banks look at your NOA. After write-offs, that number often undersells what you earn. I match you to the lender that reads your income the way it actually works, before a single application goes in.
- Incorporated, sole proprietor, commission or newly self-employed
- Options using NOAs, financial statements, add-backs or bank statements
- Many self-employed borrowers qualify at prime-lender rates
Or call 226-242-1969.
Send me the basics
How it works
- Tell me how you’re paid: salary, dividends, T2125 income, or a mix.
- I pick the lender before we apply, so your file goes where it fits.
- You get a pre-approval, or a clear plan to get there.
What lenders will ask for
Typically two years of NOAs and T1 Generals; financial statements and T2s if you’re incorporated; your business registration or articles; recent business and personal bank statements; and proof of your down payment. Self-employed for less than two years? Some lenders will work with 12 months, especially with strong credit and bank statements.
FAQ
My NOA is low after write-offs. Can I still qualify?
Often, depending on the lender. Some add back certain expenses; others verify cash flow with bank statements.
Does being incorporated help?
It depends on how you pay yourself. Salary is simplest. Dividends need lender-specific handling, and retained earnings can sometimes count as assets.
Will I pay a higher rate?
Not always. The rate depends on your credit, down payment and documents, not on being self-employed alone.
Should I talk to you before I file my taxes?
Yes, if you plan to buy in the next year or two. How you report income this year affects what you can borrow next year.
Get your self-employed review
Or call 226-242-1969.