Rate can wait. What do you want to do, and by when? The deadline shapes which lenders have time for the file and which documents have to be in hand before you commit.
Same file, different answers
Lenders don’t agree on which income to accept, which properties to finance or how to read your credit. A refusal from one is weak evidence about the next, and the order of submission counts.
Get it in complete
Complete on the first try saves you the back-and-forth. Income proof, down payment records, property documents: all in before you submit, and a short deadline can still work.
Documents to gather
What the lender will ask for.
What the file must achieve
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 afterward, 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.
