Does Your Full Income Count? - Income Qualification Comparison
Different lenders count your income differently. The right one could change your answer from 'no' to 'yes.'
This tool provides estimates for informational purposes only. Actual rates and results depend on your specific situation. Rates last updated 2026-04-06. Rates are subject to change at any time.
Different Lenders, Different Rules
If you receive disability benefits, the Canada Child Benefit, or other non-employment income, your bank may not be counting your full household income. That doesn’t mean you don’t qualify - it means you’re at the wrong lender.
The Problem
Big banks tend to be conservative about non-traditional income. Some don’t count CCB at all. Some discount disability benefits. This can mean the difference between qualifying and being told “sorry, your income isn’t enough.”
The Solution
As a broker, I work with over 30 lenders - each with different income policies. Some count 100% of CCB. Some count disability benefits at full value. Some are more flexible with rental income, child support, and self-employment revenue.
Why This Matters
On a $2,000/month CCB alone, the difference between a lender counting 0% and 100% could mean over $100,000 in additional buying power. That’s the difference between “we can’t help you” and homeownership.
The tool above shows the gap. A quick call shows you exactly which lenders work for your situation.