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“I am a Mortgage Matchmaker specializing in mortgage refinancing focusing on solving mortgage problems.”
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Q: When does it make sense to refinance my mortgage before renewal?
Refinancing before maturity makes sense if you are carrying a lot of consumer debt. If you have the equity available, you can refinance up to 80% of the property value to include consumer debts in your mortgage for one payment to lower your monthly expenses and to free up cash flow.
Answered October 2026
Q: I’m self-employed and write off a lot of expenses. Can I still qualify for a mortgage?
Yes, if you are self-employed, you can still qualify for a mortgage. In some income scenarios, there is a gap between what you earn and what shows on your notice of assessment. Lenders use three income approaches to qualify self-employed income: stated income (bank statements), net income add-back from the statement of business activities in your T1 General, and net income after tax, less dividends, from your financial statements.
Answered October 2026
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✓ Answers reviewed by VerifiedAdvisors.ca. General information only, not personal financial advice. Speak with a licensed broker about your situation.
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Kristi is one of 183 licensed brokers at Indi Mortgage. Largest teams: Calgary (175), Vancouver (3), Tecumseh (2), High River (1).
Kristi Hyson will make best efforts to respond within 24 hours. If no response is received, we may connect you with other verified brokers in your area.
