Understand the business
Amir Fetanat reviews ownership, industry, operating history and the stability of revenue. The right starting point differs for a sole proprietor, a contractor and an incorporated owner.
Build the income picture
Depending on the lender, a review may use personal tax filings, corporate financial statements, business bank statements and supporting contracts. Eligible add-backs and ownership rules vary by program.
Compare the full cost
Alternative-documentation options may require more equity or carry higher rates and fees. If a temporary solution makes sense, discuss how and when you could qualify for another lender.
A useful starting checklist
- Personal tax returns and notices of assessment
- Business registration and ownership information
- Corporate financials, if incorporated
- Business bank statements and contracts when requested
Continue your planning
Read the related mortgage guideFocus the first conversation
Explain how your business earns income and how you pay yourself. Amir Fetanat helps business owners, incorporated professionals and contractors prepare a mortgage review.
| Your situation | What to discuss |
|---|---|
| Sole proprietor or contractor | Personal tax filings and records explaining business income |
| Incorporated owner | Ownership details, personal income and company financial records |
| Changing income | A clear explanation of recent changes and supporting records |
A practical starting example
An incorporated professional may receive salary, dividends or both. Tell Amir Fetanat how you are paid and which records you already have, so the review starts with the correct income picture.
Common questions
Which documents should I organize first?
CMHC lists tax assessments and supporting business records among the evidence used for self-employed applications. Organize your tax returns, Notices of Assessment and business records, then confirm the exact list for the proposed lender and program.
Can business revenue be used as my personal qualifying income?
Do not equate sales with income available to repay a mortgage. Ask Amir Fetanat to review your income structure and the lender’s documentation requirements.
What if my latest year differs from the previous year?
Explain why it changed and gather records that help clarify the situation. The first conversation should cover your business history, ownership and planned purchase or refinance.
Public reference, checked September 24, 2026: CMHC: self-employed mortgage documentation. Program rules differ. This page is general planning information.
Review your self-employed mortgage options
Share your goal, location and timing. Send financial documents only through the secure application channel.