Is "The Self-Employed Mortgage Handbook" really free?

Yes. The Self-Employed Mortgage Handbook is a free 32-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "The Self-Employed Mortgage Handbook" cover?

It runs 32 pages across 8 sections — including Why banks struggle with BFS files; Sole prop vs. corporation — what changes; Stated income programs: who qualifies, and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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The Self-Employed Mortgage Handbook

32 pages · PDF · Free, no signup

16 min read

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Free guide

The Self-Employed Mortgage Handbook

Stop being treated like a problem to be explained

BFS, sole prop, T1 General income, dividend-only, retained earnings — every income story has a lender that fits. This guide maps out which lenders fit which file, what documents you'll need, and how add-backs work.

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Inside the guide

8 sections

1Why banks struggle with BFS files
2Sole prop vs. corporation — what changes
3Stated income programs: who qualifies
4Dividend + salary mix optimization
5T1 add-backs: depreciation, vehicle, home office
6B-lender vs. A-lender alt: when to choose what
7The exit strategy: refi to A-pricing in 12-24 months
8Document checklist (don't skip step 4)

Frequently asked questions

Is "The Self-Employed Mortgage Handbook" really free?: Yes. The Self-Employed Mortgage Handbook is a free 32-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "The Self-Employed Mortgage Handbook" cover?: It runs 32 pages across 8 sections — including Why banks struggle with BFS files; Sole prop vs. corporation — what changes; Stated income programs: who qualifies, and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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