SMART MORTGAGE SOLUTIONS

First-Time Home Buyer

Start Smart. Buy With Confidence.

Get organized for your first home purchase by preparing the documents and details commonly required before completing your official application.

Lower
Monthly Payments

One Simplified
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

Rental, Condo & Additional Property

If you are going to rent your basement, send rental city registration, municipal building permit and leasing contract draft.
If is a condo, send maintenance agreement

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 purchase plans, down payment, credit history, property details and financial situation. These details help us understand which first-time home buyer options may apply to your application.

Continue to Questions

Need help choosing the right option?

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