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What documents will a lender ask for?

This page lists the documents lenders usually ask for at each stage of a mortgage in Ontario, so nothing holds up your application. Every lender sets its own document list, and we tell you exactly which documents your lender needs.

Written by Stonefield Mortgage · Reviewed by David Steinfeld, principal broker · Stonefield Mortgage, FSRA mortgage brokerage licence #13722 · [review pending — before this page is indexed]
Published · Updated

In Ontario, most lenders want photo ID, proof of income (pay stub and employment letter, or two years of tax returns if self-employed), proof of your down payment and where it came from, and details of your debts. For a purchase, lenders also want the agreement of purchase and sale. Share documents through a secure application, never by e-mail.

What lenders usually ask for at each stage

Pre-approval

For a pre-approval, a lender asks for enough documents to check your income, debts, credit and down payment.

  • Government-issued photo ID
  • Salaried: a recent pay stub and an employment letter
  • Self-employed: two years of T1 Generals and Notices of Assessment
  • Proof of down payment (recent account statements) and where it came from
  • A list of your monthly debts: car loans, lines of credit, support payments
  • Consent for a credit check

These are typical document requirements, not a full list; each lender and insurer sets its own requirements. Please don't e-mail documents — we'll explain how to share them securely.

Get a renewal reminder

A good time to start comparing renewal offers is about four months before your renewal date. If you tell us the month your mortgage renews, we'll e-mail you a reminder about four months before your renewal, and nothing else.

We store only your first name, e-mail and renewal month, in Canada. See our privacy policy.

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Ask a mortgage broker to call you back

Tell us what you're planning for a home in Ontario and a good number to reach you. We call back within one business day, usually sooner. We ask for documents only once we know which ones your mortgage needs.

You can also call us at (416) 371-2077.

What are you looking to do?
Roughly how large is the mortgage?

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We use these details to call you back about your mortgage, and store them in Canada. If we introduce you to a partner broker, we tell you first and share only what you have given us here. See our privacy policy. Stonefield Mortgage is a trade name of Stonefield Capital Inc., FSRA mortgage brokerage licence #13722. A pre-approval or quote is subject to lender approval.