Prepare for a conversation about business income
- Identify your actual goal: buying, renewing, refinancing or accessing equity.
- Gather recent tax returns, notices of assessment and business records available to you.
- Explain your business structure and how you pay yourself.
- Ask which documents the lender needs before sending sensitive records through a secure channel.
A Chestermere business-owner preparation list
The property location and the business location may differ. Describe each accurately, then use this checklist to organize the discussion.
- Buying in Chestermere
- Record your intended property use, purchase budget, down payment source and timing. Ask what would remain conditional even after a pre-approval.
- Renewing after becoming self-employed
- Explain when you left salaried work and whether you want to stay, switch lenders or borrow more. Ask how the professional would document the new income pattern for each option.
- Refinancing for business or personal needs
- State the purpose of the funds and ask about costs and repayment. Keep business revenue, personal income and household debt separate in your notes so the professional can assess the full picture.
- Keep sensitive documents for the application
- A matching request is an introduction, not underwriting. Confirm the professional’s identity and secure document process before sharing tax or banking records.
Prepared by Alberta Mortgage Match · Updated 2026-10-23. General information; confirm your situation with a licensed professional.
Request mortgage help in Chestermere
Tell us your goal and location. We review your request and look for one suitable licensed Alberta professional. Introductions depend on availability; there is no charge or credit check to request one.
Start my free match →Chestermere self-employed mortgage — frequently asked questions
Does business revenue count as qualifying income?
Revenue and personal income are different. A lender reviews the supporting information and applies its own criteria. Ask the broker to explain the proposed income calculation rather than assuming gross sales qualify.
What if I have been in business for less than two years?
Tell the broker how long you have been operating and about relevant prior work. Some programs can consider additional factors, but eligibility depends on the full application and the lender.
Do I need to upload tax documents to request a match?
No. This matching form asks for a broad employment category and contact details. Do not send tax returns or banking documents here. A professional can explain the secure application process later.
Free tools for your numbers
Affordability calculator →
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Self-employed guide →
How lenders read business income — and who says yes.