Self-employed strategy tool

Self-Employed Mortgage Income Optimizer

Reverse-engineer the income you may need to declare to qualify. Model salary vs dividend trade-offs, add-backs, and lender pathways before your next filing cycle.

Or run the calculator first

Michael Browne, Licensed Mortgage Agent (BC, AB)

Income optimization tool

Run your self-employed income scenario

Start with the pre-filled values, then adjust salary, dividend, debt, and corporate cash-flow inputs to match your situation.

Step 1 of 4

Home and Qualification Targets

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Why the calculator alone is not enough

This tool gives you scenario math, not lender commitment. Real outcomes depend on documentation quality, lender program fit, timeline, and how your income story is presented in underwriting.

A good result can still fail if the file structure is weak. A borderline result can still close if the right program and narrative are used.

Who this tends to fit best

ProfileUsually a fitNeeds caution
Income structureSalary/dividend flexibility with clean recordsUnclear payroll history or inconsistent draws
Corporate booksCurrent bookkeeping and clear add-backsMessy statements or incomplete year-to-date data
Application timing6-12 month runway before applicationImmediate closing with no time to optimize

What happens in the Income Review

  • Pressure-test your calculator scenario against current lender policy
  • Identify the strongest income pathway for your file timing
  • Outline the exact documentation and next steps before application

Related resources

Income Optimizer FAQs

What does this self-employed income optimizer calculate?+
It estimates the income mix you may need to declare to satisfy lender qualification rules for a target mortgage scenario. It compares program pathways using your salary, dividends, corporate financials, and debt profile.
Is this tax advice or filing advice?+
No. This is a planning tool that helps you model qualification scenarios. Confirm tax strategy, payroll, dividends, and filing decisions with your accountant before making changes.
Can this help if my Notice of Assessment income is low?+
Yes. The tool lets you test add-backs, corporate income pathways, and stated-income style scenarios so you can see whether a different qualification path may be practical.
Does a strong result mean I am approved?+
No. Final approval depends on lender underwriting, documentation quality, credit, property details, and policy fit at the time you apply.
What should I do after running this calculator?+
Book a self-employed income review to validate the strategy against real lender policy and your current filing timeline before taking action.

Want help validating your scenario?

Book a self-employed income review and we will pressure-test your numbers against current lender policy.

Book a Self-Employed Income Review

Ready to validate your income strategy?

Book a self-employed income review to confirm your path before you submit an application.