September 22, 2026
I Pay Myself a Salary From My Own Company. Why Does My Lender Call Me Self-Employed?
You own your corporation and pay yourself a T4 salary, so the CRA calls you an employee. Your lender still
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Welcome to the Mortgages for Less blog! Here, you'll find expert advice, industry news, and helpful tips to guide you through every step of your home financing journey. Whether you're a first-time homebuyer or looking to refinance, our blog is your go-to resource for staying informed and making smart mortgage decisions.
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September 22, 2026
You own your corporation and pay yourself a T4 salary, so the CRA calls you an employee. Your lender still calls you self-employed. A real Calgary refinance showing why the two disagree, what documents get asked for, and why the burden is front-loaded rather than forever.September 21, 2026
Poilievre says taxes, fees and red tape are driving up home prices. Josh Tagg examines what cutting those costs could mean for buyers.September 18, 2026
Self-employed, carrying about $70,000 in CRA tax debt, one income on maternity leave, a fully gifted down payment — and this Calgary family still bought their first home at 4.39%. Here is exactly how we did it.September 17, 2026
High gas prices are raising inflation risks and putting Bank of Canada rate hikes back on the table. Here’s what Alberta mortgage borrowers should know.
September 16, 2026
A Grande Prairie couple could buy only about $160,000 if they kept their home. A refinance cleared a $1,417-a-month vehicle loan; then they bought a $385,000 home with 5% down and rented the first for $2,800.September 15, 2026
Refused at 72 because their RRIF income was too new, a retired Alberta couple bought a $418,000 home with a reverse mortgage. Funded in 13 days.September 14, 2026
Calgary secondary suites are booming. Learn when rental income from a basement suite may help you qualify for a larger mortgage.
September 11, 2026
A self-employed Calgary couple were told they wouldnt qualify. Eleven months later, through a credit rebuild, a brand-new business and a nationwide tax-software glitch, they got the keys to their first home.September 9, 2026
After the pandemic slowed a long-running self-employed business, a Calgary family we've worked with since 2013 refinanced to clear $100,571 of high-interest debt across nine accounts — freeing up about $2,786 a month and keeping the home they love instead of selling.
Read more- Read moreSeptember 21, 2026
Could Cutting Taxes and Development Charges Make Canadian Homes More Affordable?
Poilievre says taxes, fees and red tape are driving up home prices. Josh Tagg examines what cutting those costs could
- Read moreSeptember 18, 2026
Self-Employed, Owing the CRA, and On Maternity Leave — and They Still Bought Their First Home
Self-employed, carrying about $70,000 in CRA tax debt, one income on maternity leave, a fully gifted down payment — and
- Read moreSeptember 17, 2026
High Gas Prices Have the Bank of Canada Talking About Rate Hikes Again
High gas prices are raising inflation risks and putting Bank of Canada rate hikes back on the table. Here’s what
Read moreSeptember 16, 2026They Kept Their First Home as a Rental and Bought the Next One With 5% Down
A Grande Prairie couple could buy only about $160,000 if they kept their home. A refinance cleared a $1,417-a-month vehicle
- Read moreSeptember 15, 2026
Turned Down at 72: How a Retired Couple Bought a Calgary-Area Home With a Reverse Mortgage
Refused at 72 because their RRIF income was too new, a retired Alberta couple bought a $418,000 home with a
- Read moreSeptember 14, 2026
Secondary Suites Are Booming in Calgary — Could the Rental Income Help You Qualify for a Mortgage?
Calgary secondary suites are booming. Learn when rental income from a basement suite may help you qualify for a larger
- Read moreSeptember 11, 2026
Turned Away, Then Handed the Keys: How a Self-Employed Calgary Couple Bought Their First Home
A self-employed Calgary couple were told they wouldnt qualify. Eleven months later, through a credit rebuild, a brand-new business and
- Read moreSeptember 9, 2026
Self-Employed and Buried in Nine Debts: How a Calgary Couple Freed Up $2,800 a Month
After the pandemic slowed a long-running self-employed business, a Calgary family we've worked with since 2013 refinanced to clear $100,571
