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A debt consolidation mortgage renewal can be a powerful strategy for self-employed business owners looking to restructure high-interest credit cards, lines of credit, and equipment loans. Instead of juggling multiple payments, you can use your mortgage renewal to improve cash flow, lower monthly obligations, and stabilize your finances. Learn how consolidating business debt at renewal can strengthen your approval profile and position your business for long-term growth.

Should self-employed borrowers break mortgage before renewal? Learn when it makes financial sense, how cash-back offers can offset penalties, and see a real numbers example to determine if breaking early could save you thousands. If you're self-employed and facing renewal, don’t sign blindly — understand your options first.

Mortgage renewal 2026 is a critical moment for self-employed Canadians. Before signing your lender’s offer, understand today’s rate environment, how banks qualify business income, and when switching lenders could save you thousands. Don’t renew out of convenience—renew with a strategy.

Incorporated and wondering if you can qualify for a mortgage? The answer is yes. Learn how lenders assess income, salary vs dividends, and what incorporated business owners need to know to get approved.

If you’re self-employed, a contractor, or paid in a way that doesn’t fit neatly into a T4 box, you’ve probably heard of stated income mortgages —and wondered if they’re legit or just too good to be true. The short answer? They’re real, they’re helpful, and they’re not  for everyone. Let’s break it all down in plain English. What Are Stated Income Mortgages? A stated income mortgage allows you to state your income  instead of proving it strictly through traditional documents

Self-employed and unsure which lender to choose? Learn the difference between banks, B lenders, and private lenders—and which option fits your income best.

Self-employed and worried about qualifying for a mortgage? From writing off too much income to assuming renewals are automatic, these are the biggest mortgage mistakes self-employed Canadians make—and how to avoid them before they cost you approval, rate, or flexibility.

You make good money, your business is doing well—so why did the bank say no? This post breaks down why self-employed income often looks great in real life but doesn’t always translate to mortgage approval, and what you can do to turn a decline into a solution.

Being self-employed shouldn’t stop you from owning a home—but banks often see things differently. Learn why self-employed mortgage applications get rejected and what smarter options are available.

Being self-employed comes with great perks — flexibility, independence, and yes… tax write-offs. But here’s the part most people don’t realize until it’s too late: some write-offs that hurt mortgage approval  can seriously limit how much home you can qualify for. What saves you money at tax time can quietly cost you borrowing power when it’s time to apply for a mortgage. Let’s break down how that happens and what to watch out for. Why write-offs matter to lenders Lenders don’

If you’re self-employed and applying for a mortgage, you’ve probably heard lenders ask for your T1 General and NOA — but what do they actually care about? This post breaks down the difference and shows you which document matters most when qualifying for a mortgage.

Banks don’t look at self-employed income the same way they look at a regular paycheque — and that’s where the confusion starts. This post breaks down how lenders really calculate your income, what documents matter most, and how you can qualify smarter as a business owner.

Being self-employed shouldn’t stop you from owning a home. Discover how to qualify for a mortgage in Canada, what documents lenders really need, and how to boost your approval chances.

Running your own business comes with freedom — but also financial complexity. Between managing expenses, taxes, and unpredictable income, it’s easy for debt to build up in different places: credit cards, lines of credit, or equipment loans. That’s where refinancing your mortgage  can be a powerful tool. Done right, it can help you transform bad debt  into good debt  — and even fuel your business growth. 🧩 What Does “Refinancing” Actually Mean? Refinancing your mortgage simpl

Buying a home is a significant milestone for anyone, but for self-employed individuals, the journey can be a bit more complex. Unlike traditional employees, self-employed homebuyers often face unique challenges when it comes to securing a mortgage. However, with the right strategies, you can navigate this process successfully. In this post, we will explore expert mortgage strategies tailored specifically for self-employed homebuyers. Self-employed individuals often have fluct

Navigating the world of mortgages can be challenging, especially for self-employed individuals. In Toronto, where the real estate market...

In today's world, more people are choosing to work for themselves. This shift has led to a rise in self-employed individuals seeking...