What do you want to do, and by when? Answer that before the rate. The deadline decides which lenders can review the file in time and which documents you need ready before committing.
Same file, different answers
Lenders don’t agree on which income counts, which properties qualify or how credit is read. One decline doesn’t predict the next answer, and the order of submission matters.
Prepare it once
A complete file on the first try spares you weeks of back-and-forth. Line up income proof, down payment records and property documents before submitting. That’s what makes a short deadline realistic.
Documents to gather
What the lender will ask for.
Goal
Income, documents
Debts and credit
Property or collateral
Target 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. Gather them before the offer and a five-day financing condition is workable. Gather them after and it adds 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.
