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Documents You Will Need To Complete Your Mortgage

If your down payment is coming from savings, a lender will want statements proving that the funds have been accumulated over at least three month’s time.

If your down payment is a gift, provide a statement showing the funds deposited into your account, and get a signed gift letter.

If your down payment is coming from the sale of another property, provide a copy of the final sale agreement for that home, as well as its most recent mortgage statement.

If you are borrowing from a secured line of credit (LOC), you need a copy of the LOC statement showing the funds being withdrawn.

If you’ve put down a deposit on the property, provide a deposit receipt, plus statement(s) showing the deposit funds being withdrawn from your bank account.

Either an online or Realtor copy is fine.

If you bought your home on a private listing website (like propertyguys.com), provide that listing instead.

You’ll need to provide the final purchase agreement signed by all parties, with all conditions waived.

Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card).

If your income is salary or wages, provide:

A recent pay stub showing the pay date, pay amount, your name and the employer's name.

A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.

If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).

If you are self-employed, provide:

The most recent two years' NOAs

Your business license, articles of incorporation, or GST registration number

If you earn rental income, provide a copy of each lease, as well as one of:

A Canada Revenue Agency T776 Statement of Real Estate Rentals

Two year’s of T1 generals (personal tax returns)

Two year’s of NOAs

If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.

If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

This cheque is used by the lender to deduct payments from.

Income Verification

If your income is salary or wages, provide:

   

A recent pay stub showing the pay date, pay amount, your name and the employer's name.

A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.

If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).

     

If you are self-employed, provide:

The most recent two years' NOAs

Your business license, articles of incorporation, or GST registration number

     

If you earn rental income, provide a copy of each lease, as well as one of:

A Canada Revenue Agency T776 Statement of Real Estate Rentals Two year’s of T1 generals (personal tax returns) Two year’s of NOAs

   

If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.

   

If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Must show your name, property address, balance or original mortgage amount, and monthly payment.

This cheque is used by the lender to deduct payments from.

Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card).

If your income is salary or wages, provide:

1. A recent pay stub showing the pay date, pay amount, your name and the employer's name. 2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.

If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).

If you are self-employed, provide:

The most recent two years' NOAs

Your business license, articles of incorporation, or GST registration number

If you earn rental income, provide a copy of each lease, as well as one of:

A Canada Revenue Agency T776 Statement of Real Estate Rentals

Two year’s of T1 generals (personal tax returns)

Two year’s of NOAs

If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.

If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Must show your name, property address, balance or original mortgage amount, and monthly payment.

This cheque is used by the lender to deduct payments from.

Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card).

Must show your name, property address, balance or original mortgage amount, and monthly payment. (Call your current lender and request a current mortgage information statement)

Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card).

NOA – Show No Income Tax Owing

Must be most recent property tax statement from the city, if you do not have one please go to the city hall and they can print one for you.

2 most recent bills from either, Gas, Hydro, Phone, Internet etc

Income Verification

If your income is salary or wages, provide:

   

A recent pay stub showing the pay date, pay amount, your name and the employer's name.

A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.

If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).

     

If you are self-employed, provide:

The most recent two years' NOAs

Your business license, articles of incorporation, or GST registration number

     

If you earn rental income, provide a copy of each lease, as well as one of:

A Canada Revenue Agency T776 Statement of Real Estate Rentals Two year’s of T1 generals (personal tax returns) Two year’s of NOAs

   

If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.

   

If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

NOA – Show No Income Tax Owing

Must be most recent property tax statement from the city, if you do not have one please go to the city hall and they can print one for you.

2 most recent bills from either, Gas, Hydro, Phone, Internet etc

Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card).

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