Document Checklist Generator
Get a personalized list of every document you need for your mortgage application — based on your situation.
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Documents You Need for a Mortgage Application
A complete guide to every document your lender needs — from employment verification to down payment proof.
Employment and Income Documents
Your lender needs to confirm that you earn a stable, verifiable income sufficient to cover your mortgage payments. At a minimum, you should gather your most recent pay stubs covering the last 30 days, a letter of employment confirming your position, salary, and start date, your T4 slips from the past two years, and your Notice of Assessment from the CRA for the past two years.
If you are self-employed, the requirements are more extensive. Most lenders will ask for at least two years of T1 General tax returns, corresponding financial statements, your business license, and CRA Notices of Assessment. Some lenders may also request business bank statements to verify revenue consistency. You can learn more on the FCAC mortgage guide.
Down Payment Verification
Lenders need to confirm where your down payment is coming from and that the funds have been in your possession for a reasonable period. You will typically need to provide bank or investment account statements showing at least 90 days of accumulation history. If you are receiving a financial gift from family, you will need a signed gift letter confirming the money is not a loan and does not need to be repaid.
If you are withdrawing from your RRSP under the Home Buyers' Plan, include your RRSP statements showing the balance. Similarly, if you have been contributing to a FHSA, have your FHSA statements ready.
Property Documents
Once you have found a home and made an offer, additional documents come into play. Your lender will need the Agreement of Purchase and Sale, the MLS listing for the property, the most recent property tax statement, and a home insurance quote. If you are purchasing a condominium, the lender will also require a condo status certificate, which details the financial health of the condo corporation, any pending special assessments, and the reserve fund balance.
Identity and Credit
You will need to present government-issued photo identification and proof of Canadian residency or permanent resident status. You will also sign a credit authorization form that allows the lender to pull your credit report from Equifax or TransUnion. Before you apply, it is wise to check your own credit report so you can correct any errors.
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