01
Employment income
Lenders may request an employment letter, pay statements and tax records. Probation, overtime, commission or recent job changes can affect the review.
02
Business and rental income
Self-employed and rental income may be assessed using several years of documents and lender-specific adjustments. Gross revenue alone does not establish qualifying income.
03
Keep the file accurate
Disclose obligations and income consistently. Ask for a secure document-sharing method instead of sending sensitive tax and bank records through a general website enquiry.
General information only. Product availability, eligibility and conditions vary by lender and application.