Documents collected before an offer is on the table are worth far more than the same ones collected after. Once the clock is running, it’s the wait on an employer or a bank that eats your days.
Make the proof easy to follow
Income, debts, deposits, explanations: they all have to line up. A deposit with no stated source is the most common reason a file stalls at verification.
Send the heavy hitters first
Documents don’t all weigh the same. Notices of assessment, proof of down payment and a current employment letter change the review. A long generic list mostly slows it down.
Documents to gather
What the lender will ask for.
Goal of the file
Income and documents
Debts and credit
Property or security
Your timeline
Lender options
Frequently asked
Which documents should I gather?+
Your last two notices of assessment, recent pay stubs, an employment letter, three months of bank statements and proof of your down payment. Ready before the offer, they make a five-day financing condition workable. Gathered after, they cost you weeks.
Current rates
Today’s rates, with the fine print.
These rates are indicative. Yours depends on your file, the type of mortgage (insured or not) and the lender. And look at the penalty too, it matters as much as the number.
Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.
