Self-employed and unique situations
A bank sees one thing and stops reading. These pages are about what the rest of the lender market sees.
Every self-employed and unique situations page
Self-employed and business owners
When the income is real but the T1 does not show it.
Self-Employed Mortgage
Sole proprietors, stated income, and how lenders read a T1.
Read thisSelf-Employed Mortgage Alberta
Alberta's trades, energy services and consultants, and the lenders that understand them.
Read thisBusiness Owner Mortgage
Incorporated owners: T1 against corporate financials, and add-backs.
Read thisContractor Mortgage
Contract and rotational work, and proving continuity of income.
Read thisMortgage With Variable Income
Commission, bonus and seasonal work, and the averaging rules.
Read thisMortgage With Non-Traditional Income
Gig, foreign, investment and support income, and who counts what.
Read thisNew to Canada
Building a file from scratch.
New to Canada Mortgage
Newcomer programs, what qualifies, and the documents to gather first.
Read thisNewcomer Mortgage Canada
Building a file with no Canadian credit history at all.
Read thisCredit history
What lenders read, and the way back.
Bad Credit Mortgage
What lenders actually check, and the realistic path back to an A lender.
Read thisMortgage With Poor Credit
Score bands, and what each one costs you in rate and in fees.
Read thisBruised Credit Mortgage
Recent, recoverable events: one missed payment, one collection, one rough year.
Read thisMortgage After Consumer Proposal
Timelines from discharge, and how to rebuild a file that lenders will read.
Read thisMortgage After Bankruptcy
What changes after discharge, and how soon a purchase is realistic.
Read thisAfter a decline
Where a file goes when a bank says no.
Declined Mortgage
Why banks decline, and which of those reasons you can actually change.
Read thisMortgage After Bank Declined Me
A first-person walkthrough of the next thirty days after a no.
Read thisAlternative Mortgage Lender
The alternative landscape: who these lenders are and what they price.
Read thisB Lender Mortgage
What a B lender specifically is, what it costs, and the exit plan back to an A lender.
Read thisPrivate Mortgage
Private lending: real costs, real risks, and the narrow cases where it fits.
Read thisSecond Mortgage
Borrowing behind an existing first charge, and what it does to your position.
Read thisBring the complicated file
The ones that take explaining are the ones Chad is built for.