Core expertiseSelf-employed & incorporated
Translate tax documents and business income into a lender-ready qualification story.
- Sole proprietors and corporation owners
- Personal (T1) and corporate (T2) tax return analysis
- Eligible expense adjustments (add-backs) and lender-specific income methods
- Purchase planning and refinance strategy
Self-employed mortgage guidance · Incorporated business owners
BuyingHome Purchases
Understand what you can qualify for, what it costs to carry and which decisions deserve attention before you shop.
- Qualification planning
- Down payment and closing-cost review
- Insured and uninsured options
- Mortgage structure and flexibility
Whether this is your first home or your next move, we can review your income, down payment and the mortgage terms that fit your plans.
First-time buyer guidance
Existing mortgageRenewals, switches & refinances
Look beyond the renewal offer and compare the total impact of staying, switching or restructuring.
- Penalty and break-even review
- Cash-flow restructuring
- Debt consolidation analysis
- Future flexibility
Renewal guidance · Refinancing guidance
Complex filesAlternative lending
For income, credit or timing situations that may not fit standard lending. B-lender or private options are considered when appropriate, with the exit strategy mapped first.
- Complex income and credit
- B-lender assessment
- Private financing when appropriate
- Costs, risks and exit plan
Explore alternative and private mortgages