To help the mortgage process go smooth, please provide the following documents

Proof of Downpayment

• If from savings we need 3 months bank statements showing the amount saved.
• If a gift we need a signed gift letter. CMHC/GE requires that the gift be deposited into the bank.
• If sale of home we need a copy of the offer to purchase and waiver of sale on existing home, with corresponding mortgage statements.

For a Salaried/Hourly Employee

• Letter from employer (how long on job and gross annual earnings)
• Recent Pay Stub
•  T-4 Slips

• If you can't meet the income requirements no problem.  We have lenders that are interest in working with you.

For a Salaried/Hourly Employee (Overtime & Bonuses)

• Above plus two years NOA or T-4's to prove extra income

• If you can't meet the income requirements no problem.  We have lenders that are interest in working with you.

For Self Employed / Commissioned Clients

• Last two years Revenue Canada Notice of Assessment - this form is required to confirm tax returns were filed. It is mailed to you by Revenue Canada after you file your taxes.
• Last two years financial statements if incorporated
• Last two years statement of business activities if a proprietor
• First two pages of T1 Generals, for the last two years

From your Realtor

• A copy of your purchase agreement and the MLS listing faxed to our office (604) 541 - 6323

Some clients have found it helpful to print off this page for reference.

Each lender has different documentation requirements when applying for a mortgage.  It's important to speak with us to determine what is needed to make the mortgage process go smoothly.

Please do not hesitate to contact us if you have any further questions.