A complete, organized file is the smoothest way to start a mortgage. Use this checklist to gather what lenders typically want to see before you apply, so the conversation moves faster and with fewer surprises.
Current mortgage details, if refinancing or renewing
Property tax and condo fee amounts
Balances on loans, lines of credit, and cards
The more complete the file, the smoother the start. You do not need every item before you reach out. Bring what you have, and we will tell you what is still needed. Buying commercial or building? We have document checklists for those files too.
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Thinking about a purchase, a refinance, or a renewal? 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. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.
