Start with what you want to do and by when. Not with the rate. The deadline drives the rest: which lenders have time to review the file, and which documents need to be ready before you commit.
Lenders don’t all say yes to the same things
They differ on which income they accept, which properties they finance and how they read credit. So one decline tells you little about the next answer, and the order you submit in matters.
Send it complete, once
A complete file the first time avoids the back-and-forth that adds weeks. Income proof, down payment records and property documents, gathered before you submit, are what keep a short deadline realistic.
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. Have them before the offer and a five-day financing condition is workable. Have them after and you add 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.
