Multi-unit Commercial Residential Buy and sell

Required Documents

Buying a home?

Below is a mortgage document checklist to ensure you have all required documents when buying a home. This list is neither exhaustive nor inclusive and serves as guideline purposes only.

Employment and income verification:
  • Letter of employment including the date you were hired, your position and your gross income
  • Employment contract, if necessary
  • Copy of latest pay stubs showing year-to-date income
  • Most recent RRSP and investment statements
  • 90 day history of the account or accounts in which your down payment currently is
    *The 2 most recent notices of assessments may be required
Information that describes the property you are buying :
  • MLS listing with Photo
  • Purchase and sale agreement
  • Contact details of the notary
  • Most recent property tax statement
  • The property’s estimated electricity costs
  • The well water test results, if necessary
  • The certificate of location
  • Current homeowner insurance policy
    *The 2 most recent notices of assessments may be required

 

Buying and renovating a home?

Below is a mortgage document checklist to ensure you have all required documents when buying and renovating a home. This list is neither exhaustive nor inclusive and serves as guideline purposes only.

Employment and income verification :
  • Letter of employment including the date you were hired, your position and your gross income
  • Employment contract, if necessary
  • Copy of latest pay stubs showing year-to-date income
  • Most recent RRSP and investment statements
  • 90 day history of the account or accounts in which your down payment currently is
    *The 2 most recent notices of assessments may be required
Information that describes the property you are buying and renovating :
  • The contractor bid
  • MLS listing with Photo
  • Purchase and sale agreement
  • Contact details of the notary
  • Most recent property tax statement
  • The property’s estimated electricity costs
  • The well water test results, if necessary
  • The certificate of location
  • Current homeowner insurance policy
    *The 2 most recent notices of assessments may be required

 

Building your own home?

Below is a mortgage document checklist to ensure you have all required documents when building your own home. This list is neither exhaustive nor inclusive and serves as guideline purposes only.

Employment and income verification:
  • Letter of employment including the date you were hired, your position and your gross income
  • Employment contract, if necessary
  • Copy of latest pay stubs showing year-to-date income
  • Most recent RRSP and investment statements
  • 90 day history of the account or accounts in which your down payment currently is
    *The 2 most recent notices of assessments may be required
Information that describes the property you are building :
  • The Property’s Offer to Purchase
  • The contractor bid and a cost calculation grid
  • The building plan
  • MLS listing with Photo
  • Purchase and sale agreement
  • Contact details of the notary
  • Property tax statement
  • The property’s estimated electricity costs
  • The well water test results, if necessary
  • Current homeowner insurance policy
    *The 2 most recent notices of assessments may be required

 

Consolidating your debts?

Below is a mortgage document checklist to ensure you have all required documents when consolidating your debts. This list is neither exhaustive nor inclusive and serves as guideline purposes only.

Employment and income verification :
  • Letter of employment including the date you were hired, your position and your gross income
  • Employment contract, if necessary
  • Copy of latest pay stubs showing year-to-date income
  • Most recent RRSP and investment statements
  • Most recent loan statements showing how much you owe
    *The 2 most recent notices of assessments may be required
Information that describes the property :
  • Loan agreement
  • The certificate of location
  • Current homeowner insurance policy
  • Property tax statement
  • Latest mortgage statement
    *The 2 most recent notices of assessments may be required

Lease agreement, if necessary

 

Renewing or refinancing?

Below is a mortgage document checklist to ensure you have all required documents when renewing or refinancing your mortgage. This list is neither exhaustive nor inclusive and serves as guideline purposes only.

Employment and income verification :
  • Letter of employment including the date you were hired, your position and your gross income
  • Employment contract, if necessary
  • Copy of latest pay stubs showing year-to-date income
  • Most recent RRSP and investment statements
  • Most recent loan statements showing how much you owe
    *The 2 most recent notices of assessments may be required
Information that describes the property :
  • Loan agreement
  • The certificate of location
  • Current homeowner insurance policy
  • Property tax statement
  • Latest mortgage statement
    *The 2 most recent notices of assessments may be required

Lease agreement, if necessary