Canada’s mortgage market includes a broad range of lenders beyond the banks. For self-employed borrowers and business owners, understanding income assessment, documentation and financing conditions can help guide better preparation.
Joint mortgages are increasingly common among Canadian homebuyers, but adding another borrower does not automatically increase qualification. Learn how lenders assess income, debt, credit, and existing properties before approving a joint mortgage.
CMHC estimates Canada needs approximately 417,000 to 469,000 new homes per year through 2036 to restore housing affordability to pre-pandemic levels. Calgary is showing stronger supply growth, but affordability remains a key issue for buyers.
Canada lost 42,000 jobs in August while wage growth continued to slow. We look at what the latest labour-market data may mean for interest-rate expectations, bond yields, and Canadian mortgage borrowers.
Canada added 44,400 self-employed workers in July 2026. As more Canadians earn income outside traditional employment, mortgage underwriting increasingly requires a deeper understanding of business income, documentation and lender-specific guidelines.
Calgary asking rents fell 4.5% in July 2026. See what the latest rental data means for Calgary renters, homebuyers and self-employed borrowers.
Canada’s mortgage market includes a broad range of lenders beyond the banks. For self-employed borrowers and business owners, understanding income assessment, documentation and financing conditions can help guide better preparation.
Joint mortgages are increasingly common among Canadian homebuyers, but adding another borrower does not automatically increase qualification. Learn how lenders assess income, debt, credit, and existing properties before approving a joint mortgage.
CMHC estimates Canada needs approximately 417,000 to 469,000 new homes per year through 2036 to restore housing affordability to pre-pandemic levels. Calgary is showing stronger supply growth, but affordability remains a key issue for buyers.