Before the rate, decide what you’re doing and when. That date shapes everything after it, including which lenders have time to look at the file and which documents you need in hand before committing.
Compare what lenders accept
Income they’ll take, properties they’ll finance, how they treat credit: it varies a lot. One refusal doesn’t mean the next lender says no, and the sequence you approach them in can matter.
Get the file right the first time
Every round of missing documents adds weeks. If the income proof, down payment records and property papers are gathered before you submit, a short deadline is still workable.
Documents to gather
What the lender will ask for.
Purpose of the file
Income and documents
Debts and credit
Property or security
Timeline to hit
Which lenders fit
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. Gather them before you make the offer and a five-day financing condition can work. Gather them after and it drags on for 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.
