Self-employed affordability tool

Self-Employed Mortgage Calculator

Estimate how much mortgage you may qualify for based on income, debts, and lender-style underwriting assumptions.

Or run the calculator first

Michael Browne, Licensed Mortgage Agent (BC, AB)

Prequalification tool

Run your self-employed mortgage prequalification

Enter your business setup, income profile, and debts to compare lender program ranges in one view.

Step 1 of 4

How is your business set up?

This helps us decide which income fields to focus on. You can still mix and match if your situation is more complex.

Step 1 of 4

Why calculator results still need a strategy review

This tool is built for planning, not approval. Lender policy fit, document quality, and file narrative often determine the real outcome.

The strongest path is usually the one that balances qualification numbers with clean underwriting and realistic conditions.

Who this calculator tends to help most

  • Incorporated owners paid by salary and dividends
  • Sole proprietors with variable net income and add-backs
  • Borrowers deciding between standard vs alternative lender paths

What happens in an Income Strategy Call

  • Review your best qualifying pathway across lender types
  • Highlight blockers before they delay underwriting
  • Map your next steps and document checklist

Related resources

Self-employed mortgage calculator FAQs

Is this self-employed mortgage calculator only for Canadians?+
Yes. The assumptions behind this calculator are based on Canadian mortgage rules, including the federal stress test and typical GDS/TDS ratios used by Canadian lenders and insurers.
Does this calculator work if my taxable income is low but my business is profitable?+
It can still be useful. Many self-employed programs look beyond taxable income and consider business add-backs, corporate net income or retained earnings, and business bank-statement deposits. Enter the numbers that best reflect your true, sustainable income and see how that changes your estimate.
How many years of income do lenders usually want to see?+
Many lenders prefer 2 to 3 years of documented self-employed income in the same line of work. Some insurer and alternative programs may offer flexibility if you have strong experience, credit, and down payment.
Is this a mortgage pre-approval?+
No. This self-employed mortgage calculator is an educational planning tool, not a commitment from any lender. Your final approved amount will depend on the lender, product, property, and your full credit and income documentation.
Can I see how lenders look at my specific profession?+
Yes. Visit our self-employed mortgage professions hub to find your profession or business type and read, in plain language, how lenders tend to look at your income and documents for mortgage qualification.

Want to validate your range with a specialist?

Book a self-employed income review to match your scenario to real lender policy.

Book a Self-Employed Income Review

Ready to turn this estimate into a real plan?

Book a self-employed income review to confirm your strongest lender path before applying.

If you found this mortgage calculator helpful, share it with a fellow business owner, accountant, or financial planner who works with self-employed clients.

Share on LinkedInShare on X