Forget the rate for a minute. What do you want to do, and by what date? The deadline drives the rest: which lenders can review the file in time, and which papers must be ready before you commit.
Lenders don’t all think alike
They accept different income, finance different properties, read credit their own way. So a decline from one tells you little about the next answer, and the order you submit in counts.
Send it complete
A complete file the first time saves the back-and-forth that eats weeks. Income proof, down payment records and property documents in hand before you submit, and a tight deadline stays realistic.
Documents to gather
What the lender will ask for.
What the file needs to do
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. Ready before the offer, they make a five-day financing condition workable. Ready after, they 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.
