Mortgage Document-Readiness Checklist

Build a starting document checklist for a purchase or renewal and employed or self-employed income.

Before you use this tool

What it estimates

Build a starting document checklist for a purchase or renewal and employed or self-employed income.

Who it is for

Ontario buyers and homeowners preparing for a mortgage application, renewal, or lender-switch review.

Numbers you need

Choose purchase or renewal, employed or self-employed, then check the documents already available.

What the result means

The checklist organizes a starting set of commonly requested documents without determining approval or completeness.

Next step

Use the checked list to organize a review, then request the exact current document requirements for the lender and transaction.

Review my document readiness

Build your starting checklist

Choose the scenario that is closest to your current review. The list updates without deciding whether a mortgage or lender option is available.

Mortgage scenarioIncome type

0 of 9 items checked

This is a preparation aid, not a complete lender document request.

Government-issued identificationPrepare current identification for each borrower. Confirm which forms and validity periods the lender accepts.Debt and credit detailsGather current statements for loans, credit cards, lines of credit, support obligations, and other debts that may need review.Recent bank or investment statementsKeep complete statements available where funds, reserves, or payment history may need to be documented.Down-payment and deposit historyPrepare statements showing the source and movement of purchase funds. Additional documents may be required for a gift or transferred funds.Purchase agreement and property detailsOnce available, keep the signed agreement, amendments, listing, deposit receipt, and property information together.Closing-cost fundsKeep down payment, deposit, estimated closing costs, and any post-closing reserve visible as separate amounts.Employment letterA current letter may need to confirm role, status, start date, and compensation under the lender’s requirements.Recent pay statementsPrepare complete recent statements, particularly where hours, overtime, bonuses, commissions, or deductions may matter.T4 slips and Notices of AssessmentPrior-year tax documents may be requested to support income history or variable income.

Confirm the final request

Property type, income, credit, debts, documentation, insurer rules, lender policy, and the transaction may change what is requested for a specific borrower. Ask for the lender’s current written document list before relying on this checklist.

Results are estimates for educational purposes only and are not a mortgage approval, commitment, rate guarantee, or lender decision. Mortgage qualification depends on lender policies, credit history, income, property details, documentation, debts, down payment, and current rules. Speak with a licensed mortgage professional before making decisions.

Step 1 · Keep your estimate

Save this calculator summary

Email yourself a copy of the inputs and results shown here. Email only; this does not request a mortgage review.

View printable summary

Mortgage Document-Readiness Checklist

Scenario: purchase
Income Type: employed
Checked Documents: []
Checked Document Count: 0
Total Document Count: 9

This calculator summary is an educational estimate based on the inputs shown. Mortgage approval, rates, terms, costs, and qualification depend on lender criteria and the specific transaction.

Diego can review the scenario you entered and explain what may be worth comparing.

Step 2 · Ask Diego to review it

Review my document readiness

Send your selected scenario and Diego can clarify which document questions may be worth preparing for a mortgage review.

Email *Mortgage goal / Objectif hypothécaire *NamePhone

By submitting, you agree to be contacted about your mortgage review and our Privacy Policy and Terms of Service. Calculators are estimates only.

After you submit, I'll review your numbers and contact you to clarify your goal. This is not a mortgage approval, pre-approval, rate quote, or commitment. It is a first review to help you understand what may be worth comparing.

Après l'envoi, je réviserai vos renseignements et je vous contacterai pour clarifier votre objectif. Il ne s'agit pas d'une approbation hypothécaire, d'une préapprobation, d'une offre de taux ni d'un engagement. C'est une première révision pour vous aider à comprendre ce qui pourrait valoir la peine d'être comparé.