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
– 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
- Withdrawal from RRSP through the Home
Buyer’s Plan, if applicable
- Gift Letter.
- A list of current assets and liabilities
- Bank account and transit number for payment
- Pre-Approval Mortgage Certificate, if you have it.
- A copy of the real estate listing
- A copy of the accepted purchase and sale
- 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
- 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.
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