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Bank of Canada 2.25% ▬ 0.00|Prime 4.45% ▬ 0.00|GoC 5yr 3.01% ▲ 0.02|CMB 5yr 3.42% ▲ 0.01|CORRA 2.24% ▼ 0.01|as of Jun 15, 2026 · sample · view the rate board →|Bank of Canada 2.25% ▬ 0.00|Prime 4.45% ▬ 0.00|GoC 5yr 3.01% ▲ 0.02|CMB 5yr 3.42% ▲ 0.01|CORRA 2.24% ▼ 0.01|as of Jun 15, 2026 · sample · view the rate board →|

Self-Employed Financing: Document Checklist

When you work for yourself, a mortgage comes down to showing your income clearly. A complete, organized file is the smoothest path forward. Use this checklist to gather what lenders typically want to see, then bring it to us and we will help you put your strongest file together.

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What to Gather

Identification and Credit

  • Government-issued photo ID for each applicant
  • Social Insurance Number, if requested
  • Current address and recent address history
  • Consent for a credit check

Proof of Income

  • Two years of T1 General tax returns
  • Notices of Assessment for the same years
  • Confirmation taxes are paid up to date
  • Pay stubs, if you also draw a salary
  • A summary of your income sources

Your Business

  • Business registration or incorporation documents
  • GST or HST registration number
  • Two years of business financial statements
  • Recent business bank statements
  • How long the business has operated

Down Payment and Property

  • Statements showing your down payment
  • Source of funds (savings, sale, or a gift)
  • Purchase agreement, if you have one
  • Current mortgage details, if refinancing
A self-employed file lives on clear income documentation. If full documentation is not available, alternative-lending options may be one path to review. Bring us what you have and we will map the strongest approach for your situation.
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Self-employed and thinking about a purchase, refinance, or renewal? Start gathering the items above, then bring us your file and we will help you fill the gaps. A licensed member of our team will follow up.

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(902) 835-6420  |  contact@tmgharbourtown.ca

Information here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. This is a general guide; required documents vary by lender, application, and province, and your lender may ask for more. Alternative-lending options are framed here as paths that may be available to review, not recommendations or guarantees. 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.