Your mortgage statement, the penalty in writing, the tax bill and your notices of assessment. The penalty on paper is often not the one you heard on the phone.
Gather your documents before an offer is on the table, not after. Once the clock is running, you lose days waiting on an employer or a bank, and those days don’t come back.
Make the proof easy to follow
Income, debts, deposits and your explanations all have to line up. The classic file-staller? A deposit with no stated source. Verification stops right there.
What to send first
Not every document weighs the same. Notices of assessment, proof of down payment and a recent employment letter move the review along. A long generic list mostly slows it down.
Documents to gather
What the lender will ask for.
What you want from the file
Income and supporting documents
Debts and credit
The property or collateral
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. Add a list of your debts with balances and monthly payments. If all of that is ready before you make an offer, a short financing window becomes 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.
