🏡 How It Works for Self-Employed Homebuyers

If you’re self-employed, lenders just need a clear picture of your income to feel confident approving your mortgage. That’s why we gather documents like tax returns, profit & loss statements, and bank records. Don’t worry – I’ll guide you through exactly what’s needed, help you organize everything, and make the process as smooth and stress-free as possible.

If you are self-employed and looking to apply for a mortgage soon, get ahead of the game and make sure you have access to some or all of the documents listed below before we get started to make the process even smoother:

 

📝 Mortgage Documents for Self-Employed Homebuyers

  • Personal Tax Returns – usually the last 2 years

  • Notices of Assessment from the CRA for the last 2 years

  • Business Tax Returns (if applicable)

  • Profit & Loss Statements for your business

  • Bank Statements to show consistent income and cash flow

  • Additional Documentation if needed (e.g., contracts, invoices, or other proof of income)

With these documents ready, I can help you get pre-approved and guide you through the mortgage process smoothly — even if you’re self-employed.