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Mortgage Document Checklist

Required documents for obtaining a mortgage in Canada

Mortgage document checklist to obtain a mortgage in Canada.
This checklist is not intended to be exhaustive. All mortgage applications are unique. Your Canadian lender may ask for further documents.


Employment and Income Verification.

 

  • Current employment and amount of
    income such as:
    – Copy of recent pay slips
    – Evidence of recent pay deposited
    electronically
    – T1 General and associated Notice
    of Assessment (NOA)
  • Previous employment (if required)
  • Additional income sources (if any).

 

Confirmation of your down payment.

  • Savings or investments statement from within
    the last 90 days
  • Sale of an existing property – a copy of the sale
    agreement
  • Withdrawal from RRSP through the Home
    Buyer’s Plan, if applicable
  • Gift Letter.

Basic financials.

  • A list of current assets and liabilities
  • Bank account and transit number for payment
  • Pre-Approval Mortgage Certificate, if you have it.

 

Property details.

  • A copy of the real estate listing
  • A copy of the accepted purchase and sale
    agreement
  • The property’s full address, including legal
    description and postal code
  • Property tax estimates, condo fees and heating
    costs, (usually available on the real estate
    listing)
  • For rural properties, well and septic certificates
  • Lawyer’s name, address, postal code, telephone
    and fax number.

This simple mortgage document checklist will help you organize the most important paperwork you have to present to your mortgage broker and lender. 

  • Terms
  • Posted Rates
  • Our Rates
  • Variable Rates
  • 3.95%
  • 2.70%
  • 1 YEAR
  • 4.04%
  • 2.64%
  • 2 YEARS
  • 3.74%
  • 2.64%
  • 3 YEARS
  • 3.89%
  • 2.64%
  • 4 YEARS
  • 3.94%
  • 2.64%
  • 5 YEARS
  • 5.59%
  • 2.54%
  • 7 YEARS
  • 5.80%
  • 2.94%
  • 10 YEARS
  • 6.10%
  • 2.99%

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