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Review request received

Thanks — your file is queued.Here is your next-step checklist.

A reviewer will respond within one business day. In the meantime, the checklist below is custom to the answers you provided. Bring this list to any lender or broker conversation.

Personalized next-step checklist

  • 01

    Pull a free credit report

    Equifax and TransUnion both offer Canadians a free consumer disclosure once per year. Confirm trades, balances, and any adverse marks before any lender pulls credit.

  • 02

    Assemble your document dossier

    Photo ID, two pay stubs, recent employment letter, 2 years T4s + NOAs, 90-day statements for any down-payment account.

  • 03

    Map your debt picture

    List every minimum monthly payment. Lenders use minimums, not balances, when calculating TDS.

  • 04

    Lock a rate hold window

    Standard rate holds run 90–120 days. Time the hold to your purchase window, not just the application date.

Run the full Pre-Approval Score

See the seven-category breakdown with leverage moves per category.

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Assemble the document dossier

Single printable PDF map by income type, so the reviewer can move fast.

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