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Documents that Are Usually Required to Get a Mortgage
The required documents vary with each application. Generally, employment and source of down-payment is always verified. The following is a list of some of the different documents that may be required. I will inform you of any other documents for your specific application (each case is unique) once you have made an offer on a home.1. Letter from your Employer - letter must state your length of employment or start date, title or position and your annual gross income or hourly rate and how many hours per week you work.
2. Most recent pay stub.
3. Confirmation of down payment - one or more of the following:
3 months bank statements showing accumulation of savings
- Copy of GIC or RSP statement
- Gift Letter and confirmation of deposit to your account
- If selling your home, a copy of your sale agreement and your most recent mortgage statement or payout statement.
4. T-4's for the past 2 years (needed if you want to claim Part-time or overtime income)
5. Revenue Canada Notice of Assessment (NOA). NOA’s mailed to you after your income tax return has been processed for the past 2 or 3 years
6. Financial Statements for the past 2 or 3 years. This is required for Business for Self (self-employed) Applicants
7. T1 Generals 2 or 3 years. This is required for Business for Self (Self-employed) Applicants
8. Copy of separation agreement, if applicable.
9. Copy of Bankruptcy Discharge Statement, if applicable.
10. Copy of Your Most Recent Mortgage Statement, if applicable.
11. Photocopy of 2 pieces of ID for each applicant and completed mortgage application.
Note: If you need to obtain a copy of your NOA, you can contact Revenue Canada by calling 1-800-959-8281 or on their website at www.ccra.gc.ca and clicking on 'Forms & Publications' and use search feature for T1013 form which will allow another person to act on your behalf to obtain your NOA.
Other pages of Interest:
- Current Interest Rates
- Calculate Canadian Monthly Mortgage Payment
- GDS and TDS Calculator--What is the Most I can Qualify for?
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