Your mortgage paperwork, three steps at a time.
Lenders hand you one long list full of terms like NOA, T1 General and gift letter. Answer five quick questions and get only the papers you need, in plain words, with where to find each one.
1Job letterEmail HR today. Takes a few days.
2Photo IDYour wallet. 5 min.
3Your latest pay stubsYour payroll portal. 5 min.
Your next three
That's everything for your pre-approval.
Send the files to your lender or broker. The three papers below come after your offer is accepted.
Coming up after these
After your offer is accepted
Done
Where this list comes from
The lender list on the first screen is a combined checklist I put together from the documents Canadian lenders commonly ask for. It isn't copied from any one lender. These public pages back it up:
- Getting preapproved for a mortgage, Financial Consumer Agency of Canada: ID, proof of employment, down payment, debts, and two years of notices of assessment if self-employed.
- What to bring to your lending appointment, BMO: two IDs for a purchase, a T1 General with its notice of assessment for self-employed or variable income, the signed offer and the listing.
- Mortgage pre-approval checklist, Access Credit Union: letter of employment with a pay stub, and a 90-day history of the down payment funds.
- The Home Buyers' Plan, Canada Revenue Agency: the $60,000 withdrawal limit.
Lenders differ, and yours may ask for something extra or skip something here. This list covers the usual asks from Canadian lenders for a home purchase. It isn't advice.