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Education

Information alone is not enough. A professional mortgage broker has something far more valuable: years of experience and your needs in mind. They put the information in context, they anticipate the variables and find the best loan for you. This is the kind of help you don’t want to be without.

Mortgage Checklist

Mortgages.ca is able to help clients with all of your Pre-Approval, Home Purchase, Renewal/ Transfer and Refinancing needs.

Depending on what we are helping you with (purchase I refinance I renewal), we may require all or some (but most of) the following documentation to complete your mortgage:

  • 2 pieces of ID: Driver’s License or other Government issued Photo (SIN card, passort, credit card)
  • Purchase Agreement
  • MLS Listing
  • Proof of income: Job Letter and Current Paystub. (some lenders also need T4’s)
  • Notice of Assessment (NOA) for the last two years, with taxes up to date (if required)
  • T1 generals (2yrs) (if self-employed)
  • Possibly last 2 years Business Financials (if self-employed)
  • Proof of Down Payment: 90 day bank or investment statement in applicants name
  • Gift Letter with Associated Bank Statement. (if downpayment was gifted)
  • Copy of a VOID Cheque
  • Copy of Signed Mortgage Approval
  • Copy of Signed Mortgage Borrower Disclosure
  • Copy of Insurance Application Form (MPP). Mortgage Insurance (life/disability)
  • Lawyer Information
  • Home Appraisal (ordered only if required)
  • Copy of the Renewal Notice from your current lender or most recent mortgage statement. Renewals and Transfers

"I couldn’t be happier with the phenomenal customer service James and Steven provide. I have recommended them to friends and colleagues alike and wouldn’t think of going anywhere else."

- Ben Mills

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