Being self-employed does not put a mortgage out of reach. The challenge is usually showing your income clearly, not the work you do. With your records in order and a little planning, you can put a strong file forward. Here is how to position yourself well.
Up-to-date returns with taxes paid show stability.
A solid, on-time repayment history carries real weight.
Savings help through income swings and strengthen your file.
Lenders often average your declared income over about two years.
Plan ahead so your records are ready when you apply.
Most lenders look at your declared income from your tax filings, often averaged over about two years. Clean, current records are what make this straightforward.
Some lenders offer programs designed for self-employed borrowers whose income is less straightforward. Options vary and depend on your full picture; we help you find the fit.
Often around two years of history, though it depends on your situation and the lender.
They can lower the declared income lenders use to qualify, so it is worth planning ahead of an application.
There may still be options. The earlier you talk to us, the more we can map a path that fits.
Bring us your situation and we will walk through how lenders will view your income and what will make your file strongest. A licensed member of our team will follow up.
Start a conversationInformation here is general and educational. It is not financial, legal, tax, or lending advice, and it is not an offer of financing. How self-employed income is assessed varies by lender and product, and program availability changes over time. Any figures are illustrative only. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.