Start With Your Goal
Discuss your purchase, renewal or refinance, your timeline and what you need your mortgage to support.
Your Mortgage Strategy
A closer understanding of your income can change the mortgage options worth exploring.
Income Deserves a Closer Look
My Chartered Professional Accountant experience helps me read personal tax returns (T1s), corporate tax returns (T2s), Notices of Assessment and corporate financial statements, and understand how salary, dividends and business expenses connect. I use that analysis to identify income a lender may recognize and prepare the supporting documents for your application.
For self-employed and incorporated clients, this work can reveal borrowing capacity that a standard review may overlook. My clients have qualified for higher mortgage amounts through this approach; the result depends on the documents and lender requirements.
Interpret the Documents
Review personal and business income, obligations and the evidence lenders need to assess your file.
Compare the Structure
Consider the mortgage amount, payments, penalties, prepayment options and flexibility alongside the rate.
Read Expertise in Practice · Explore Your Mortgage Preferences
Talk through your next mortgage decision.
Bring your goals and questions to a free consultation.