The separation agreement, who keeps the property, and any support paid or received. Support you pay counts as a debt, support you receive counts as income, as long as it is documented.
Compare how lenders judge it
They differ on which income they accept, which properties they finance and how they read credit. That’s why a single decline says little about the next answer, and why the order you submit in matters.
Submit it complete
A complete file at the start avoids the back-and-forth that adds weeks. Have your income proof, down payment records and property documents together before you submit. A short deadline leaves no room otherwise.
Documents to gather
What the lender will ask for.
Purpose of the file
Income and paperwork
Debts and credit
Property or security
Timeline
Lender options
Frequently asked
How do I remove my ex from the mortgage?+
By refinancing in your name alone, which means qualifying alone for the full amount. A lender won’t take a name off just because you ask, even with a court order. It is a new loan, with a fresh and complete review.
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. Add the written agreement or the estate documents. If it is all ready before you make an offer, a short financing window is realistic.
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.
