Lenders verify three things: who you are, how you earn, and what you are buying. The exact documents depend on your situation, so this checklist is grouped by where you fit. Start with the basics, then add the section that matches how you earn.
Gather the basics plus the section that fits how you earn. You do not need everything before you reach out. Bring what you have, and we will tell you what is still needed. For commercial or builder files, we have separate document checklists.
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Getting ready to apply? Start gathering the items above, then bring us your file and we will help you fill the gaps. A licensed member of our team will follow up.
Information here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. This is a general guide; required documents vary by lender, application, and province, and your lender may ask for more. Any figures are illustrative only. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.
