SELF-EMPLOYED MORTGAGE PREPARATION CHECKLIST
Mackenzie Docksteader, Mortgage Broker | MortgagePal Inc. | Brokerage #12685
Prepared September 23, 2026

Start with the situation:
[ ] Purchase, renewal or refinance goal and expected timing
[ ] Sole proprietor, partnership or incorporated business
[ ] How long you have operated and any recent changes
[ ] How income reaches you: business income, salary, dividends or other sources
[ ] Seasonal patterns, contracts and changes in income
[ ] Down payment or equity, existing debts and any tax amounts owing

Identify documents available for a lender-specific review:
[ ] Personal tax returns and Notices of Assessment
[ ] Business financial statements and corporate tax records, if applicable
[ ] Business and personal bank statements
[ ] Relevant contracts, invoices or other evidence of ongoing work
[ ] Current mortgage statement or property listing, if available
[ ] Contact details for your accountant/bookkeeper, if you want them involved

Do not assume every lender needs the same documents or history. Revenue,
taxable income and qualifying income are different. Do not change tax filings
or business compensation based on a checklist; consult your tax professional.

You do not need every document to begin. Do not email sensitive records or
enter account numbers in the public contact form. Ask for the secure process.

Request a self-employed mortgage review:
https://mortgagemuskoka.ca/contact/?goal=self-employed-mortgage
Read the guide:
https://mortgagemuskoka.ca/insights/self-employed-mortgage-questions-muskoka-ontario/
Advisor handoff:
https://mortgagemuskoka.ca/partners/financial-planners-accountants/
Call: 705-481-2085

General preparation only. Approval, documents and options depend on the
borrower, property and current lender requirements. This is not tax advice.

Mackenzie Docksteader, Mortgage Broker. Authorized to deal in mortgages on
behalf of Verico Paragon MortgagePal Inc., DBA MortgagePal Inc., FSRA brokerage
#12685. Based in Bracebridge; serving Muskoka and Ontario.