Mortgage Resources

Preparation + Checklist

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.

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