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A new job does not stop a purchase in Laurentides if the offer letter is clear and the field is the same. What the lender is looking for in it.
The lender wants to know whether the income will continue. A new employer in the same field goes over well. A probation or a leave is handled according to the employer’s letter and the expected return date. Policies vary enough that a single decline settles nothing.
An employment letter stating the position, the salary, the start date and, where relevant, the end of probation or the expected return date. Add whatever pay stubs you have and your notices of assessment from earlier years: they show the income kept going through the change.
Two years of notices of assessment, recent pay stubs, an employment letter. The lender goes by what your tax records show, not by what lands in your account. Income that shows up nowhere does not count toward a purchase in Laurentides.
Depending on where the income comes from, the lender takes the current year, a two-year average or a simple employment confirmation. That period sets the amount, not what you are earning this month. Expect it to differ from one lender to the next in Laurentides.
Notices of assessment, tax returns, financial statements, pay stubs, deposit records. Get them all together before you make an offer. That is what makes a short financing condition workable, since the delay nearly always comes from a third party who has not sent their piece yet.
A new employer in the same sector goes through easily, often as of the first pay stub. Changing trades resets the tenure clock with most lenders.
To prepare
Yes. It all runs by phone, email or video call, and documents go through online. We can meet in person, but most files get settled without anyone having to travel.
Not necessarily. Several lenders accept a file during probation when the employment letter is clear and the field is the same. Others ask for three months. That is internal policy, not a general rule.
Pick the situation closest to yours.
Contact
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.