Typical checklist
Documents you'll likely need
A general list of what lenders commonly request. Every lender and program sets its own requirements, so your list may be shorter or longer.
Income & tax
- ✓Notices of Assessment (NOA), usually last 2 years
- ✓Full T1 General returns with statements of business activities
- ✓Proof no taxes are owing to CRA
Business
- ✓Business registration or articles of incorporation
- ✓Financial statements (if incorporated), often 2 years
- ✓GST/HST registration, if applicable
Banking
- ✓Recent business bank statements (stated income / bank statement programs often ask for 6 to 24 months)
- ✓Personal bank statements
- ✓Proof of down payment and its source
Personal & property
- ✓Government photo ID
- ✓Purchase agreement and MLS listing, or current mortgage statement
- ✓Property tax bill and home insurance details
Tip: having your NOAs and T1s ready before a consultation makes it much faster to see which routes are realistic.
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