Document collection for self-employed borrowers
Self-Employed Mortgage Document Checklist & Collection Software
Self-employed files are where deals die waiting on paperwork. Two years of T1s, NOAs, financial statements, business bank statements: every missing page is another day before you can submit. Startly turns that chase into a checklist your client completes from their phone.
11 items, 9 required. Based on the live template brokers use in Startly.
Why these files stall
What goes wrong with self-employed borrowers.
Clients send one T1 page at a time, out of order, as photos in a text thread.
Every lender wants a slightly different two-year package and you re-request constantly.
Accountant-prepared statements arrive late and you find out at underwriting.
The checklist
Self-employed borrower document checklist
Two years of personal and business income history for sole proprietors and incorporated owners.
Every item ships with a plain-English description in the client portal, so your client knows exactly what to photograph.
- 1
Government-issued photo ID
RequiredDriver's licence or passport, front and back.
- 2
Credit check consent
RequiredSigned consent form from your broker. Do not upload your SIN card.
- 3
90 days of bank statements
RequiredAll pages, all accounts used for the down payment.
- 4
Proof of down payment
RequiredStatements showing funds, or a gift letter if applicable.
- 5
Purchase agreement & MLS listing
OptionalFully signed, with all schedules.
- 6
T1 Generals, last 2 years
RequiredFull return including all schedules and statement of business activities.
- 7
Notices of Assessment, last 2 years
RequiredFrom CRA My Account. Confirms no taxes owing.
- 8
Business licence or Articles of Incorporation
Required - 9
Business financial statements, last 2 years
RequiredAccountant-prepared where available.
- 10
6 months of business bank statements
Required - 11
HST/GST filings, last 2 years
Optional
How Startly collects this for you
Send once. Startly does the follow-up.
- 01
Pick the template, send the link
Choose the "Self-employed borrower" checklist, add or remove items for this file, and send it to your client by text or email.
- 02
Your client verifies and uploads from their phone
They confirm the last 4 digits of their phone number, see every item with a plain-English description, and photograph or upload each one. No account needed.
- 03
Reminders run until the file is complete
Startly nudges your client on your schedule, stops when the last item lands, and hands you one organized package ready to submit.
Curious how the rest works? See the full product tour or compare plans.
FAQ
Common questions.
What documents do self-employed borrowers need for a mortgage in Canada?
Typically two years of T1 Generals with all schedules, two years of Notices of Assessment, business registration or Articles of Incorporation, two years of financial statements, and six months of business bank statements, plus the standard ID, down-payment and purchase documents.
Can clients upload from their phone?
Yes. The portal is mobile-first: clients tap a link from your text or email, confirm the last four digits of their phone number, and photograph or upload each document.
Where are the files stored?
Encrypted at rest in Canadian-compliant cloud storage, scoped to your brokerage. Nothing is ever sent as an email or SMS attachment.
Early access
Collect self-employed borrowers' documents without the chase.
Join the waitlist and get 3 months free when early access opens.
More checklists