Google Review Excerpt
Qualified for more than we aimed for
“Elena has gone above and beyond to help my wife and I with qualifying for a mortgage. She helped us get above our goal.”
Francis Ibana
CPA | Mortgage Professional
Your salary and dividends explain only part of your corporate financial picture.
Salary, dividends and corporate financial statements can tell different parts of your income story. A detailed review helps identify which lender’s approach fits your circumstances.
Read the personal and corporate picture
My Chartered Professional Accountant background helps me trace revenue, expenses, salary, dividends and retained earnings through your documents. Corporate funds are not automatically qualifying personal income; the applicable lender’s criteria determine what can be used.
Present the supporting documents clearly
We identify the income evidence required for your file and assess eligible adjustments under the relevant lending program. The goal is a supported application that explains your income accurately.
Prepare for your next decision
Start with your purchase or refinance goal, approximate personal and business numbers and your timeline. We can then identify the statements and tax documents needed for a detailed review.
Explore your next step
Self-employed mortgages · Incorporated business owners · First-time buyers · Renewals and refinances · Guides and questions
Expertise in Practice
Selected experiences shared by clients.
Google Review Excerpt
A rate others couldn't get
“Thank you Elena for providing excellent service, you were able to get a rate that nobody else would be able. You are a such professional who always works with attention and details.”
Mila Bejatovic
The Documents, in Plain Language
- T1 General
- Your personal income tax return, showing your income and deductions.
- T2 Return
- Your corporation’s income tax return. It helps explain the business behind your personal income.
- Notice of Assessment (NOA)
- The statement the Canada Revenue Agency sends after assessing your tax return.
- Add-Backs
- Expenses a lender may allow to be added to qualifying income under its policies. An accounting expense can be treated differently for mortgage qualification; eligible adjustments vary by lender.
Discuss your mortgage plans.
Begin with your goal, your numbers and your questions.