SMART MORTGAGE SOLUTIONS

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Move Forward With More Clarity.

Prepare the documents that help explain your income, property, credit history, and financial situation before continuing to the official application.

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Monthly Payments

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Payment

Guidance Before
You Apply

Helping Canadian Homebuyers
in Ontario

Canada-wide Support

View Requirements

— WHAT YOU'LL NEED —

Documents Needed

Get the ones that apply to you before completing your application

Employment & Income

Recent employment letter, stating hourly and annual salary, bonuses, commissions, extra hours, any other revenue if you have, company name, job title, type of employment (full-time, part-time, seasonal, casual) contact person name and signature, company address, telephone number and email address.
Last 3 notice of assessment (NOA) for each applicant, send any applicable tax slips T1, T2, T3, T4, T4A, T4E, T5, and so on.
Last 2 months of pay stubs
Last 3 months of your bank statement showing up your downpayment amount
Other income statements, if you have such as guaranteed investment certificates (GICs), other general investments, other jobs, child, spousal support (Alimony), Ontario disability support program (ODSP), Canada child benefit (CCB), old age security (OAS), Canada pension plan (CPP), Ontario Public Service Pension Plan (PSPP), Quebec pension plan (QPP)

Property & Mortgage

Property Insurance quote/policy
Municipal property tax bill
Assignment of agreement of purchase and sale
MLS listing page, if you have it from purchase date

Rental, Condo & Investor Documents

If you have rental properties, send mortgage and leasing contracts
If you rent your basement, or have Airbnb rental send leasing contracts, rental city registration, municipal building permit
If is a condo, send maintenance agreement
For investors, send resume and portfolio of yourself, company website, business rental plan.

Identification & Investor
Requirements

150% amplified photocopies of driver’s license front and back and passport for each applicant on property title, in PDF format.

Attention

Only submit documents that apply to your situation. Our team can help you to clarify anything you're unsure about before you complete the next external window.

— IMPORTANT DETAILS —

Before you continue

Please review a few important questions about your credit history, property, income, debts and financial situation. These details help us understand which mortgage options may apply to your request.

Continue to Questions

Need help choosing the right option?

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