If you own your business, lenders judge you on your net (after-write-off) income — which often understates what you really earn. As an independent broker I work with bank-statement, stated-income and traditional programs across BC, so your file finds the lender built for self-employed borrowers instead of being forced into a bank’s one-size box.
Independent advice across BC & Alberta — we shop multiple lenders so your situation finds the right fit.
Most lenders qualify you on Line 150 of your tax return — your income after deductions. The same legitimate write-offs that lower your taxes also lower the income a bank will count, so a thriving business can look modest on paper. The fix isn’t to pay more tax; it’s to use a lender and program that reads your real cash flow.
Want the full breakdown? Download the Self-Employed Buyer’s Guide (BC/AB), or see our private lending options if timing or documentation is tight right now.
Yes. Beyond traditional tax-return qualifying, bank-statement and stated-income programs assess your real business cash flow, so write-offs don’t have to block approval.
Most A-lenders want about two years in the same field. If you’re newer, alternative and bank-statement programs can bridge the gap until you season into A-pricing.
A program that estimates your income from 6–12 months of business bank deposits rather than your net tax-return income — useful when statements tell a better story than your returns.
It can, because lenders qualify on net income. The answer isn’t to overpay tax — it’s to use add-backs and the right program. A broker structures this for you.
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