• 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If you are borrowing from a secured line of credit (LOC), you need a copy of the LOC statement showing the funds being withdrawn.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you’ve put down a deposit on the property, provide a deposit receipt, plus statement(s) showing the deposit funds being withdrawn from your bank account.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:
  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 year’s 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 either:
  • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or
  • Two year’s of T1 generals (personal tax returns), or
  • 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.

• 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 year’s 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 either:
  • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or
  • Two year’s of T1 generals (personal tax returns), or
  • 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.

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

• 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 year’s 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 either:
  • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or
  • Two year’s of T1 generals (personal tax returns), or
  • 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.

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