SMART MORTGAGE SOLUTIONS

Lender Transfer

Move Your Mortgage. Keep Momentum.

Get ready to transfer your mortgage to another lender by preparing the documents commonly requested before completing your external application form.

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 2 months of paystubs.
Last 3 notice of assessment (NOA) for each applicant, send any applicable tax slips T1, T2, T3, T4, T4A, T4E, T5, and so on.
Other incomes statement, 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

Mortgage contract
Recent mortgage statement
Property Insurance quote/policy
Property municipal taxes statement
Assignment of agreement of purchase and sale
MLS listing page, if you have it from the purchase date

Rental, Condo & Additional Property

If is a rental property, send leasing and mortgage contract
If you have rental properties, send leasing and mortgage contracts
If is a house and you rent your basement or have Airbnb rental, send leasing contract, rental city registration, municipal building permit.
If is a condo, send maintenance agreement
Leasing contract, if is a rental property

Identification & Investor
Requirements

150% amplified photocopies of driver’s license front and back and passport for each applicant on property title, in PDF format.
For investors, send resume and portfolio of yourself, company website, business rental plan.

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 current lender, mortgage terms, renewal timing, income, property, and financial situation. These
details help us understand which lender transfer options may apply to your application.

Continue to Questions

Need help choosing the right option?

Prefer to chat? Open the blue chat bubble in the bottom-right corner.

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