Stated Income

Direct AnswerAs of July 2026A mortgage program where income is stated rather than fully documented, designed for self-employed borrowers with complex income situations.

A mortgage program where income is stated rather than fully documented, designed for self-employed borrowers with complex income situations.

Mortgage Broker Versus Bank for Canadian Investors
Mortgage brokers in Canada shop 30 to 50 lenders. Banks sell one product shelf. Compare rates, fees, and when a bank still wins.
DSCR Loans With No Income Verification: How It Works
How DSCR loans eliminate personal income verification for investment property financing. Why lenders focus on property cash flow and NOI instead of your T4s.
Stated Income Mortgage Canada: Qualify When Tax Returns Fall Short
Stated income mortgage Canada options for self-employed borrowers—how they work vs full-doc, typical down payments, rates, and credit requirements.
3 Types of Mortgage Pre-Approval Canada: Which Protects You?
Learn the 3 types of mortgage pre-approval in Canada: verbal, rate hold, and fully underwritten. Only one actually locks your rate and guarantees financing.