December 10, 2025

Opportunities for first-time homebuyers among self-employed Canadians

Risks tied to rising delinquencies & tighter credit environment

Mortgage refinancing and switching lenders at renewal — advantages for self-employed borrowers

Alternative income verification & “self-declared income” mortgages

Impact of rate resets and mortgage renewals (the “renewal wave”)

Easier qualification for self-employed borrowers

Shifting lender market shares — implications for broker strategies

Growing demand for private or alternative-lender / B-lender mortgages

Stricter lending standards & higher scrutiny for self-employed clients

Affordability challenges amid high cost of living + economic uncertainty