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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 a completely free service to help you find the best mortgage option for your needs.
Banks often prioritize their own interests over yours, leaving you to negotiate for a better rate. Additionally, some banks may not offer the most competitive rates or products, limiting your options. Ratebuzz, on the other hand, compares rates and products from multiple banks and lenders, ensuring you're presented with the best options without any bias. This means no more haggling to get the best deal. Plus, with Ratebuzz, you can manage everything online—no need to step into a bank 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, our lending partners do not pull your credit report immediately after you submit your online application. First, they will contact you by phone to confirm the details. Afterward, they will get your consent to pull your credit when you are ready to submit the application. Only after receiving your consent will they proceed with the credit check.
