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You have at least two years of excellent established credit
You’re a Canadian resident for tax purposes
Your income is provable to common lender standards
You meet the debt servicing requirements for qualification purposes
*Lenders sometimes require other documentation, dependeing on their policies. Depending on your qualifications and paperwork, approvals may take more time. If situation doesn’t match above, simply email us and we’ll point you in the right direction. OAC.
Recent paystub, Employment letter, T4 if you are salaried, or your last 2 year T1 Generals and Notice of assessments if you are self employed. You may also need to provide your articles of incorporation/business license depending on the type of self employment
90 day history of bank statements showing the downpayment funds
MLS listing(if applicable) of the subject property
Signed purchase agreement of the newly bought home.
A void cheque or PAD form for which account you want your mortgage payments to come out from.
One piece of government issued photo ID
Recent paystub, Employment letter, T4 if you are salaried, or your last 2 year T1 Generals and Notice of assessments if you are self employed. You may also need to provide your articles of incorporation/business license depending on the type of self employment
A recent mortgage statement of the subject property, as well as any properties you own
A recent property tax bill for all of your existing properties
One piece of government issued photo ID
Recent paystub, Employment letter, T4 if you are salaried, or your last 2 year T1 Generals and Notice of assessments if you are self employed. You may also need to provide your articles of incorporation/business license depending on the type of self employment.
A recent mortgage statement of the subject property, as well as any properties you own
A recent property tax bill for all of your existing properties
One piece of government issued photo ID
A copy of your fire insurance policy for the subject property
Feel free to visit our resources page where we answer frequently asked questions. Don’t see the question you’re looking for? Reach out to let us know what you need help with!
Ratebuzz is completely free. We do not charge any fees to help arrange a mortgage for our clients. Lenders pay us a finders fee directly for arranging the mortgage, at no cost to you.
Banks are always looking out for themselves before the client, and you may get stuck negotiating with your bank to bring your rate down. Some banks just don’t have the best rate or product available either, meaning that you are limiting yourself to their specific options. Ratebuzz compares rates and products with several banks and lenders without favoring one over the other. This means that you will not have to haggle just to get the best quote. With Ratebuzz you’ll never have to step foot into an office.
Ratebuzz works with over 40 lenders, including BMO, Scotiabank, TD Bank, First National, MCAP, MCAN, Equitable Bank, Meridian, Duca, RFA, CMLS, and more.
No. We do not pull your credit report without first getting in contact with you over the phone. After which, we will send you a credit bureau consent form to digitally sign which specifically authorizes us to pull your credit report for the purposes of the application. It is only then that we pull your credit report.
