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Q: I’m self-employed and write off a lot of expenses. Can I still qualify for a mortgage?
Often, yes. Writing off expenses lowers your taxable income, and that's the number most lenders start from. Some lenders add back certain expenses, like depreciation or home-office use. Others offer programs based on stated income when you have a solid down payment and good credit. Have your last two years of tax returns and Notices of Assessment ready, and talk to a broker before you file next year: the right strategy can change what you qualify for.
Answered October 2026
Q: My mortgage is up for renewal. Should I just sign what my lender sends me?
Not without comparing first. Your lender's renewal offer isn't always its best one, because many people sign without asking. Renewal is also the one time you can usually switch lenders without a penalty. Start looking about four months before your maturity date. Beyond the rate, compare the prepayment privileges, how the penalty is calculated if you break the term, and whether the mortgage is portable. A broker can shop several lenders for you, usually no cost to you.
Answered October 2026
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