Proof of down payment

• Gift letter with proof of deposit
• Statement of account
• Personal check for automated payment

Transaction agreement

• Broker contract
• Signed promise to purchase with all annexes
• Property listing

If necessary: 

• Septic tank compliance certificate 
• Water quality certificate
• Leases
• Condo fees

In the case of a private sale:

• Certificate of location
• Leases
• Municipal and property tax account information

Proof of income

Salaried employee

• Letter of employment (date hired, gross salary and position)
• Pay stub

Self-employed

• Notice of assessment for the last two years
• Federal and provincial income tax reports (T1 general) for the last two years

*Other documents may be requested by the lender.

What mortgage is right for you?

Fixes rate

You’re cautious and like stability? Get fixed payments for a fixed term.

Variable rate

A great opportunity to get today’s best rates if you’re comfortable with market fluctuations.

CMHC option

You have less than 20% down payment? You’ll need a CMCH-insured mortgage.