Documents you have before an offer exists are worth far more than the same ones chased afterward. When a deadline is running, waiting on an employer or a bank is what burns the days.
Numbers that agree
Income, debts, deposits and your explanations need to match each other. A deposit with no stated source is the most common reason a file stalls at verification.
Priorities in what you send
Documents don’t all carry the same weight. Notices of assessment, proof of down payment and a recent employment letter change how the review goes. A thick generic list mostly slows it.
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 two years of financial statements and your business records. Ready before you make an offer, they make a short financing window 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.
