High-Net-Worth & Asset-Based Mortgages in Canada

Qualify on your assets — not just your income

Business owners, retirees, and new-to-Canada professionals are often

— and get turned away by a standard income test. Several major Canadian lenders offer a

that lets strong, verifiable liquid assets stand in for income. Here's how it works, honestly — and a calculator to estimate the liquid assets you'd likely need.

. If that's you, the right lender can look past a thin income line to the assets behind it.

Programs vary, but they tend to follow one of two shapes. Both sit on top of a

, held in Canada and seasoned), and both are

between that and the mortgage you actually want.

Liquid assets needed ≈ (total mortgage debt) − (mortgage your income supports)

A simpler, more conservative shape: liquid assets must roughly

you're requesting, plus any other mortgage debt you carry.

Liquid assets needed ≈ (total mortgage debt you'll carry)

Estimate the liquid assets you'd likely need. All figures are illustrative planning estimates — not an offer, an approval, or a specific lender's policy.

(stress test — greater of rate + 2% or 5.25%)

likely services this mortgage at standard ratios — you may not need a net-worth program at all. A RateStreet advisor can confirm the cleanest path.

in liquid assets clears the likely requirement under

approach. You look like a strong net-worth candidate — let's match you to the right lender.

. Talk to us — a larger down payment, a different program, or a co-applicant can change this.

Cash and savings on deposit at a Canadian institution

Assets inside an operating company, or jointly held with someone not on the application

— held for a set window (often 90 days to a year, depending on the program) so a last-minute transfer doesn't paper over a thin balance. A strong

for where the wealth came from matters too.

Net-worth lending is nuanced, and the right lender makes all the difference. Tell us your situation and a licensed RateStreet advisor will map the cleanest path — and match you to the program your assets fit best.

This page and calculator are provided by RateStreet for

Asset-rich but light on paper income? Several major Canadian lenders let strong liquid assets qualify you for a mortgage instead of income alone. Learn how net-worth qualification works — and estimate the liquid assets you'd likely need — with RateStreet's free calculator.

You pay yourself efficiently, so your line-150 income understates your real financial strength.

Significant savings and investments, but pension/withdrawal income alone won't service the mortgage.

Meaningful non-registered portfolios that generate wealth but modest reported cash income.

Substantial liquid assets moved to Canada, but limited Canadian income history so far.

A large liquidity event you want to deploy into real estate while income catches up.