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Mortgage Squad Advisors
Medicine Hat · AlbertaSelf-employed

Self-employed mortgages in Medicine Hat.

BFS, stated income, dividend + salary — we know which lenders take which story. Most affordable AB urban market. Retiree + first-time flow.

BFSStated incomeDividendAdd-backs
5-star rated| FSRA #13737| 50+ languages
Live math · Medicine Hat
On a $315,000 Medicine Hat home
Down payment
20% — min for self-employed mortgages
$63,000
Mortgage amount
At 4.39% · 30-yr amort
$252,000
Est. monthly payment
Principal + interest only
$1,255/mo
Illustrative only. Actual rate, qualifying amount, and premium depend on your file. Get an exact number with a senior advisor or Maya AI.
Min BFS history
2 yrs
Some 1-yr at B-tier
Max LTV (A)
80%
Insured up to 95%
Add-backs
CCA + home office + vehicle
Boosts qualifying income
Dividend
T5 OK
Grossed up at certain lenders
Why Medicine Hat clients choose us

Self-employed mortgages — built for Medicine Hat.

Same FSRA license. Same 50+ lender network. Same dedicated advisor model — applied to Southern AB's specific lender appetites and property types.

A-lenders that accept stated income with 2 years of T1 + NOA history
Dividend + salary mix optimization (T4 + T5 + retained earnings)
B-lender alt-A programs (+50-150 bps for income flexibility)
Private mortgage option for under-2-years self-employed
Add-back analysis: depreciation, CCA, vehicle, home office
Up to 80% LTV prime; 65-75% on alt-A; 75% on private
Refinance into A-lender pricing once 2 clean NOAs accumulate
CRA debt consolidation paths if behind on personal or HST
Same-day pre-approval when clear; 24-48 hours for complex stories
$0 fee to you on A-lender files — disclosed in writing
Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

Self-employed mortgages across Medicine Hat

From Hill to Ranchlands — we know the local market, the typical self-employed file size, and the lender appetites that fit each pocket of Medicine Hat.

HillCrescent HeightsSaamis HeightsRanchlands
FAQ

Self-employed mortgages in Medicine Hat — common questions.

Don’t see yours? Ask Maya — instant answer in 50+ languages.

Any Canadian resident in Medicine Hat who meets the standard self-employed mortgages criteria — we help borrowers from Hill, Crescent Heights, Saamis Heights and surrounding Southern AB. Most affordable AB urban market. Retiree + first-time flow.

Other mortgage solutions in Medicine Hat

Same advisor team, full product menu — pick the one that fits your file.

All Medicine Hat programs →

Self-employed mortgages in other Alberta cities

Same product, different market — see how self-employed mortgages look across Alberta.

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Ready to start your self-employed mortgages in Medicine Hat?

5-minute pre-qualification. No credit check to begin. Your dedicated Southern AB advisor responds within the next business hour.