Documents required for a mortgage. Documents required for refinancing.

Before approving a mortgage, the lender will want to make sure you have a stable income, a good credit score, and a downpayment. To check that you have a stable income the lender will ask for the documents to verify the other information you are providing. Below is the list of the documents usually required by a lender. The requirements may differ slightly for different lenders, but the list below serves as a good start for your application.


The lender will require the following documents for all mortgage transactions:

  • For those employed by a company: Employment Verification. Employment documentation requirements vary from lender to lender; however, below is a list of documentation that is typically acceptable for an employee:

  • T4

  • Pay Stubs

  • NOA (Notice of Assessment – often requested when there is commission income)

  • Letter of employment

  • Tax Return (also may be requested when there is commission income)


  • For a self-employed individual, the following list of documents may be required:

  • Financial Statements

  • Business License

  • Business Cheque


  • A consent form for the mortgage agent to use the applicant’s personal information for the purposes contained within the consent form.

  • Photo Identification. Photo identification is required to prove the identity of the applicant. The original document should be viewed and a photocopy obtained for the file.

  • Divorce/Separation Agreement (if applicable). If applicable this document outlines the terms and conditions of the separation or divorce and will typically include any payments that are required to be made for alimony.

  • Child Support Order/Agreement (if applicable). If applicable this document outlines the terms and conditions of child support, including any payments that are required to be made.


Are you in the process of obtaining a new mortgage or are approaching the mortgage renewal? Whether you are applying for a mortgage first time in your life or have done it 20 times, the process may be stressful. Let us help you work through the application, document collection, and submission to a bank. Please do not hesitate to reach out to discuss your specific situation. Submit the application here and receive a free consultation:

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Specific Mortgage Documentation for a Purchase


The following is a list of documentation that is typically required when a client is purchasing a property:

  • Purchase and Sale Agreement

  • MLS Listing (for resale properties)

  • Proof of Down payment

  • Rental Letter (if applicable)

  • Real estate salesperson Information


Specific documentation for a Mortgage Refinance, Equity take-Out, and Switch


The following is a list of documentation that is typically required when a client is refinancing his or her current mortgage, taking equity out of his or her property, or switching lenders on renewal:

  • Current mortgage statement

  • Charge/Mortgage

  • Transfer/Deed

  • Property tax statement

  • Property insurance policy

  • Mortgage repayment history (if applicable)

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