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Q: I’m self-employed and write off a lot of expenses. Can I still qualify for a mortgage?
Yes. Write-offs lower your tax bill, but they also lower the income a lender sees. There are ways around that. Some lenders will add back items like depreciation. Others have business owner programs that weigh how established you are and what your bank deposits show. Have two years of T1 Generals and Notices of Assessment ready, plus financial statements if you’re incorporated. A broker who knows these programs can match you to the right lender before you apply.
Answered October 2026
Q: How does a reverse mortgage work, and who is it right for?
A reverse mortgage lets homeowners 55 and older borrow against their equity with no required monthly payments. Interest builds on the balance, which is repaid when you sell, move out or pass away. You keep ownership of your home. It suits people who are house rich and cash challenged. The catch: higher rates and a growing balance that leaves less for your estate. Compare it with downsizing or a secured line of credit, and involve family early.
Answered October 2026
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