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