What Documents Do You Need for a Mortgage in Ontario?

Being prepared can help your mortgage approval go smoothly.

Here’s what most lenders will require:

For Salaried & Hourly Employees:

• Letter of employment
• Recent pay stubs
• Two years of T4s
• Recent Notice of Assessment

For Self-Employed Individuals:

• Two years of business financial statements
• Two years of T1 Generals and NOAs
• Proof of business registration
  

For All Applicants:

• Valid photo ID
• Void cheque or direct deposit form
• Recent mortgage statement (if refinancing)
  
• Down Payment Verification (if purchasing)

Organizing your documents ahead of time can speed up the process and help avoid delays. We make it easy with secure digital upload options right from your phone or computer.