Collect your documents.
You can prepare for your mortgage application appointment by gathering the documents you’ll need to submit ahead of time.
Applying for pre-approval? You’ll need to prepare only the documents listed under numbers 1 and 2 below.
Income and employment validation
You’ll need to provide information about your income and employment. To find out which documents to bring based on your circumstances, read our home-lending document checklist (pdf).
Buying your first home in Canada?
Be prepared to provide documentation that shows you have worked full-time in Canada for a minimum of three months. If you are in the country on a work visa, you must provide valid documentation or verification of your landed immigrant status.
Down payment confirmation
Bring all of the following that apply to you:
- At least three months of statements from the bank account that contains your down payment funds
- Firm sales agreement, if the source is from sale of a property
- Indigenous Services Canada grants
- Gift letter (a form provided by your mortage specialist that you can fill out), if part of your down payment is from immediate family with no repayment required
Documents associated with your property
Bring all of the following that apply to your sale:
- Purchase and Sale Agreement (including any addendums)
- Property disclosure statement
- Current listing on MLS (provided by your realtor); this is distinct from a public listing on Realtor.ca or other third-party websites
- Assignment of Purchase and Sales Agreement (including the original Purchase and Sales Agreement)
- Most recent mortgage statement (for refinance and transfer-in)
- Certificate of Possession
Home insurance coverage
To make sure you’re adequately protected, we’ll ask you for information on any home insurance coverage for fire, theft and liability that you currently have in place.
Want to print this checklist? Download the pdf.
