What do you want to do, and by when? The deadline drives the rest: which lenders have time to review the file, and which documents must be ready before you commit.
Lenders don’t read income the same way
They differ on which income they accept, which properties they finance and how they read credit. A decline from one says little about the next, and the order of submission matters.
One complete submission
Get the file complete the first time and you avoid the back-and-forth that adds weeks. Gather income proof, down payment records and property documents before you send anything, so a short deadline stays realistic.
Documents to gather
What the lender will ask for.
Goal of the file
Income and documents
Debts and credit
Property or security
Deadline
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. Gather them before the offer and a five-day financing condition is workable. Afterwards, expect extra 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.
