For Accountants & CPAs

Your clients' tax strategy shouldn't cost them the mortgage.

The write-offs that keep their taxes low are exactly what get your self-employed clients declined at the bank. I get them approved — without undoing a single thing you've planned.

Become a referral partner See the tool your clients can use
CPA, CA & Licensed Mortgage Broker · Serving all of Ontario · No cost to your clients

A great tax return and a mortgage approval don't always agree.

Banks read net income off a notice of assessment, and your self-employed and business-owner clients show it low for good reason. The result is a decline that has nothing to do with their real ability to pay. That's a solvable problem — with the right lender and a proper read of the numbers.

Where I help your clients

Self-employed income, read properly

Gross-ups, add-backs, and a real look at T1s, T2s, and financial statements — not just a pay stub or a single line on an NOA.

Lenders who actually say yes

Self-employed-friendly A lenders, plus B and alternative options when the situation calls for it — matched to your client, not forced.

Your tax planning stays intact

I never ask a client to amend returns or inflate income to qualify. The strategy you built stands exactly as it is.

Structured for the bigger picture

The right product, term, and debt structure so the mortgage supports their finances — not just this year's taxes.

A mortgage partner who reads a financial statement.

I'm a CPA, CA and a licensed mortgage broker — so I speak your language, and your clients don't have to translate their business between us.

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We speak the same language. I understand add-backs, retained earnings, and why a low line 15000 doesn't mean a low income.
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I won't ask you to do anything you wouldn't. No pressure to re-file, stretch, or paper over the numbers — ever.
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One financial conversation, not three. Your client explains their business once, to someone who already gets it.

What working together looks like

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Referrals both ways. You send clients the banks turned away; I send mine who need a sharp accountant in their corner.
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You stay informed. With your client's consent, I keep you in the loop, so the mortgage and the tax picture stay in sync.
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No cost, no pressure for your clients. My work is paid by the lender, not your client, and there's never any obligation from a first conversation.
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Optional client education. I'm happy to co-host a short session or provide a plain-language one-pager on financing for the self-employed.

Let's get your clients to "approved."

A 15-minute intro call is the easiest place to start — no commitment, just a chance to see if we're a fit.

Become a referral partner See the self-employed tool

Leigh Cho-Young, CPA, CA · Mortgage Broker M20003159 · BRX Mortgage FSRA #13463

I work alongside your client's accountant and never provide tax or accounting advice. Figures and approvals depend on each client's full application, the lender, and current lending guidelines.

Best, Leigh — The Mindful Mortgage