SMART MORTGAGE SOLUTIONS

Mortgage Renewal

We Highly Recommend Starting Your Application 3 Months Before Your Mortgage Renewal Date

If there is an ongoing issue, this gives us enough time to address it and help you find a new lender.

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 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

Renewal letter from current lender
Property Insurance quote/policy
Recent municipal property tax bill
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 more 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

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 or portfolio of yourself, business rental plan and company website

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 mortgage, renewal date, payment goals, property, income, and overall financial situation. These
details help us understand which renewal 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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