Knowledge Hub

Mortgage Tips & Expert Advice

Stay informed with the latest mortgage news, tips, and insights from our experts.

Self-Employed Mortgages in BC: How to Get Approved When Your Income Looks Complicated - Self Employed mortgage article | Best Rates Canada
Self Employed

Self-Employed Mortgages in BC: How to Get Approved When Your Income Looks Complicated

A practical guide for BC self-employed borrowers — how lenders calculate your income, which documents you actually need, and why a broker can mean the difference between approved and declined.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Apr 21
Bank Statement Mortgages (B-Lender) for Self-Employed Canadians - Self Employed mortgage article | Best Rates Canada
Self Employed

Bank Statement Mortgages (B-Lender) for Self-Employed Canadians

How B-lender bank statement mortgages work in Canada — when to use them, real cost vs A-lender, and how to plan your refinance back to prime rates.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Jan 20
Self-Employed Down Payment Rules & the 2-Year Rule (2026) - Self Employed mortgage article | Best Rates Canada
Self Employed

Self-Employed Down Payment Rules & the 2-Year Rule (2026)

Down payment rules for self-employed buyers in Canada in 2026, the 2-year industry rule, and the exceptions that let you qualify in year one.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Jan 18
Incorporated Business Owners: Why Your T1 Lies About Your Income (And What to Do About It) - Self Employed mortgage article | Best Rates Canada
Self Employed

Incorporated Business Owners: Why Your T1 Lies About Your Income (And What to Do About It)

How incorporated Canadians can use T2 corporate net income, dividends, and retained earnings to qualify for a much larger mortgage than their T1 suggests.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Jan 16
Stated Income Mortgages in Canada: How BFS Programs Actually Work - Self Employed mortgage article | Best Rates Canada
Self Employed

Stated Income Mortgages in Canada: How BFS Programs Actually Work

How stated income (Business For Self) mortgage programs work in Canada — which lenders offer them, premium costs, and who actually qualifies.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Jan 14
Self-Employed Mortgage Guide Canada: How to Actually Qualify in 2026 - Self Employed mortgage article | Best Rates Canada
Self Employed

Self-Employed Mortgage Guide Canada: How to Actually Qualify in 2026

How self-employed Canadians qualify for a mortgage in 2026 — what lenders count as income, stated income programs, the 2-year rule, and which lenders say yes when banks say no.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Jan 12
Self-Employed Mortgages in Alberta: A Complete Guide for Business Owners - Self Employed mortgage article | Best Rates Canada
Self Employed

Self-Employed Mortgages in Alberta: A Complete Guide for Business Owners

How Alberta business owners and self-employed professionals can qualify for mortgages, including stated income options and documentation requirements.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Jan 8
Alternative Mortgage Lenders in Ontario: Your Complete Guide - Self Employed mortgage article | Best Rates Canada
Self Employed

Alternative Mortgage Lenders in Ontario: Your Complete Guide

Explore alternative and B lender mortgage options in Ontario. Understand who qualifies, rates, and when non-traditional lending makes sense.

Monika Tarnik-Jedrusiak Monika Tarnik-Jedrusiak
Dec 6
Self-Employed Mortgage Tips for 2026: Complete Qualification Guide - Self Employed mortgage article | Best Rates Canada
Self Employed

Self-Employed Mortgage Tips for 2026: Complete Qualification Guide

Navigating mortgage approval as a self-employed Canadian. Comprehensive tips for business owners, freelancers, consultants, and gig workers.

Voytek Jedrusiak Voytek Jedrusiak
Dec 2