SMART MORTGAGE SOLUTIONS

Refinancing

Restructure Your Mortgage. Improve Your Terms.

Review the documents and requirements needed to refinance your existing mortgage 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 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
Recent municipal property tax bill
Mortgage contract
Recent mortgage 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 rental contract
If is a house and you rent your basement or have Airbnb rentals, 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.

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 property, mortgage balance, income, debts, and financial goals. These
details help us understand which refinancing 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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