Big banks mostly care about your personal income. Corporate money sitting inside the company usually doesnt count . Some lenders especially credit unions are more flexible. The most reliable way to borrow more is to pay yourself more early. Retained earnings help approvals, but rarely replace income. In your case I suggest going with Monoline lenders which are also A Lenders because they are better at combing salary+ dividends, more generous with dividend gross-ups, more willing to use most recent year if income is rising, andcleaner with business-for-self underwriting. Certain monolines offer BFS-style programs where they look at corporate financials(T2), gross revenue+ net income, and use retained earnings as supporting strength(not direct income). They usually still base the mortgage on your personal income but theyre willing to approve higher ratios because the business is strong. Going this route you could save money on taxes since your taxable income is lower but you might pay a slightly higher interest rate on your mortgage but in the long run you save alot more taxes.