Preparation guide · June 2026 · 5 min read
Self-employed? Build your mortgage file early
A document checklist that can reduce last-minute surprises.
Read time5 min read
Best forPreparation
Use it toAsk better questions
Before you read
Use this as a planning guide, not a checklist you need to perfect.
Mortgage decisions are individual. Save the parts that apply to your situation, write down your questions, and use them to make a more informed next move.
Keep your records organized
Lenders may review notices of assessment, tax returns, business financials, incorporation details and proof of down payment. Requirements differ by lender and situation.
Plan before the offer
An early review helps identify questions around income history, deductions and debt before a purchase deadline arrives.
Save these questions
Three prompts for your next conversation.
- What decision am I trying to make right now?
- What documents or numbers would make the decision clearer?
- What trade-off should I understand before moving forward?