Your readiness checklist — tailored to your file.
Pick your province, city, borrower type, and purchase plan. We rebuild the checklist around the rules that actually apply — federal, provincial, and municipal layers stacked correctly. Saves locally on this device.
Universal document dossier
Government-issued photo ID
FINTRAC requires identity verification on every mortgage file.
Source · FINTRAC
Most recent 2 years of CRA Notices of Assessment
Lenders reconcile self-reported income against the CRA filing.
Source · CRA
Most recent 2 years of T4s
Two-year T4 history establishes the qualifying income line.
Source · CRA
90 days of statements for every down-payment account
Source-of-funds tracing for FINTRAC and the lender.
Source · FINTRAC
Employment letter dated within 30 days
Confirms current role, salary, tenure, and probation status.
Source · Lender standard
Two most recent pay stubs
Year-to-date verification against the employment letter.
Source · Lender standard
Next step
Turn this checklist into an underwritten review.
When the list is complete (or close), our desk takes the dossier and quotes a real pre-approval — not a system-generated qualification.
Start a guided review →