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What paperwork do I need in order to apply?

Applying for a mortgage or mortgage pre-approval can often require a lot of paperwork. Instead of scrambling at the last minute, begin organizing all of the necessary documents now. This will ensure that you're better prepared when it comes time to close the deal.

Documents For Your Mortgage Lender

Your mortgage lender will expect to see the following property and financial documents:

For a Purchase:

  • A copy of the property listing
  • A copy of the signed offer to purchase
  • A legal description of the property (for property tax purposes)
  • Lawyer or notary details
  • A copy of the real estate agent's property registration form (this will include heating costs, property taxes and condominium fees)
  • Septic tank or well certificates (if applicable)
  • Confirmation of your down payment and closing costs
  • Home insurace provider
  • A list of assets and liabilities
  • Bank account information
  • Proof of income (see below)

For a Refinance:

  • A copy of your current mortgage statement
  • Home insurance information
  • Paystub
  • Job letter
  • Lawyer or notary details
  • A list of assets and liabilities
  • Bank account information

Your lender or mortgage broker will also need to confirm your employment and income before they can approve your mortgage rate. This usually entails providing pay stubs from an employer or your most recent tax return. If you're self-employed, you will need to provide your financial statements and notice of assessments for the last three years.

Expert Tip

If you struggle to keep things organized, don’t despair. A straightforward filing system can help you stay on top of any important paperwork.  A filing system will also come in handy come renewal time and when tax season approaches. Remember: it's easier to apply for home tax credits if your receipts are easy to find. 

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