Mortgage Document Checklist
Whether you are buying a home or refinancing, here’s what you'll need:
Buying a Home
All documents listed in Refinancing a Home, plus:
Confirmation of downpayment
☐ Investments or savings for the last 90 days
☐ Purchase & Sale Agreement for property sold (if applicable)
Property Details
☐ Purchase & Sale Agreement for new property
☐ MLS Listing (Realtor version)
Refinancing a Home
Employment and Income Verification
Salaried/Hourly Income
☐ Letter of Employment
☐ Two Recent Pay Stubs
☐ Last 2 Years’ T4s
☐ Employment history (if less than 3 years with current employer)
Commission Income
☐ Last 2 Years’ T1 General
☐ Last 2 Years’ Notice of Assessments
☐ Last 2 Years’ T4s
☐ Year-to-Date Commission Statement
Self-Employed Income
☐ Articles of Incorporation or Business License
☐ Last 2 Years’ T1 General
☐ Last 2 Years’ Notice of Assessments
☐ 6–12 Months of Business Bank Statements
Other Income
☐ Pension Income (Last Year’s T4A)
☐ CCB Benefits (CRA Letter confirming Child Tax Benefit)
Other Assets & Properties
☐ Proof of liquid assets (last 90 days)
☐ Mortgage statement(s) for other properties
☐ Property tax bill(s) for other properties
