Below is the typical document checklist clients have to prepare.

Personal Information

For salaried individuals, lenders will require:

• Letter of Employment
• Most Recent Pay Stub
• A lender may also request your recent Notice of Assessment (NOA)

For hourly workers, or commission employees, lenders will require:

• Most recent 2 years of T4s
• Letter of Employment
• Most Recent Pay Stub

For self-employed individuals, lenders will require:

• Most recent 2 years of T1 General tax returns + NOAs
• Most recent 2 years of business financials
• Incorporation documentation (if available)

Your Down Payment Information

If you are purchasing, lenders will require a 90-day history of your down payment. The down payment history can be in the form of chequing, savings or investments statements, gift documentation, and/or other documentation.

Properties you Currently Own (If Applicable)

If you currently own properties, lenders will require:

• Municipal property tax assessment
• Current mortgage statement on property (if applicable)
• Rental leases (if applicable)

The list of required documents will increase with the complexity of our application.