Self-employed and no T4? Learn how Canadian lenders assess your income in 2026 using T1 and NOA averaging, add-backs and stated income programs.

At this important stage in your home purchase, renewal, or refinancing decision, you may be wondering why fixed mortgage rates are climbing when the Bank of Canada has not raised its policy rate. It is a reasonable question. As of September 2026, the Bank of Canada’s overnight rate remains at 2.25%, and the Bank has […]