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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. 

For more information contact The Wilson Team or call 1-855-695-9250

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