Documents you collect before an offer exists are worth much more than the same ones collected afterward. With a deadline running, it’s the wait on an employer or a bank that eats your days.
Proof that reads easily
Your income, debts, deposits and explanations must tell the same story. A deposit with no explained source is the number one reason a file gets stuck at verification.
Send the important ones first
Some documents count for more. Notices of assessment, proof of down payment and a current employment letter change the review. A thick generic pile mostly slows it down.
Documents to gather
What the lender will ask for.
Goal of the file
Income and documents
Debts and credit
Property or security
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. Add your renewal offer and the current balance. Get them ready before you make an offer and 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.
