Begin with what you want to do and by when. The rate comes later. The deadline shapes the rest: which lenders have time to review the file, and which documents must be ready before you commit.
Lenders don’t agree
They differ on which income they take, which properties they finance and how they read credit. So one decline says little about the next answer, and the order you submit in matters.
One complete submission
Get the file right the first time and you skip the back-and-forth that eats weeks. Collect income proof, down payment records and property documents before you send anything. That’s what keeps a tight deadline realistic.
Documents to gather
What the lender will ask for.
What you’re aiming for
Income and paperwork
Debts and credit
Property or collateral
Closing date
Lenders to try
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. Have them ready before the offer and a five-day financing condition is workable. Otherwise you’re adding 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.
