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by Enrich Mortgage Group | Aug 26, 2018 | Education  

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In the world of mortgages, it doesn’t matter if you’re purchasing a new home or Resources
simply refinancing your current home to get cash, there are some typical
documents that you’re likely to encounter.
Your Enrich Mortgage Group broker will let you know specifically which ones
are required, but here are the most common ones we could ask for:
Buying a home?
Information that describes the property you are buying
Purchase and Sale Agreement (typically provided by a realtor)
Full MLS Listing (typically provided by a realtor)
Confirmation of your Down Payment

90 Day history of the bank account(s) you are getting your down payment from.
This could be a mixture of investment, RRSP or chequing account.
Using Proceeds from Sale of Current Home? Eventually, we will need the Sale
Agreement (typically realtor provides)
Gift Letter – If being gifted money from immediate family, we need a specific
letter filled out. Ask your Enrich Mortgage Broker.
Using RRSP’s (including First Time Home Buyer Plan)? Need a 90-day
transaction history when the time comes to take the money out, as well as (for
most lenders) a receipt/statement showing it’s been cashed and money is
available.
Employment and income verification

Copy of Latest Paystub (for employees)

T4 Slip from Canada Revenue Agency (for employees, not always required,
check with your Enrich Mortgage Broker)
Letter of Employment (always needed for employees. Must be on company
letterhead, signed, and show: start date, job title, when you started, the rate of
pay, and how many guaranteed hours you get. Some lenders require it to say
you’re not on probation if it’s a newer job)
Tax Returns (Past Two Years) that were sent to the Canada Revenue Agency
(typically for self-employed, this includes contractors)
Notice(s) of Assessment (Past Two Years) from the Canada Revenue Agency
Google Rating (Almost always required for self-employed/contractors, sometimes for

4.7
employees. Past Two years)
Other Income
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Agreement

Other compensation (disability, pension, rental income, etc. discuss with

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your Enrich Mortgage Broker)

Do you currently own your home?

Information related to your existing property/properties:
Recent Mortgage Statement
Most recent property tax bill/statement
Documents verifying heating costs and condo fees
Legal description of your property (you can find this on your property tax
statement or original purchase agreement) 

Other Information we may require 

Void Cheque 
Name, address, telephone number of your solicitor/notary

This list is a starting point to any mortgage, however, there may be more questions

asked relating to what you own and owe. When working with a broker, we will work
with many lenders to get you the best deal on your mortgage. Their requirements
may be different, but we will always help you make sure you’ve got everything
necessary for approval.

Enrich Mortgage Group

Enrich Mortgage Group is a brokerage based in Calgary with over 40 agents
across Alberta, British Columbia, Saskatchewan, Manitoba, Ontario and
Newfoundland!

Recent Posts
When Should You Talk to a Mortgage Broker?
Which Documents Do You Need to Get a Mortgage?
How to Save for a 5 Digit Down Payment

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