At the application stage, you’ll typically need: government-issued photo ID, proof of income (recent pay stubs and a T4 or Notice of Assessment for salaried employees; two years of Notices of Assessment and financial statements for self-employed borrowers), proof of down payment source (bank or investment statements, and a gift letter if applicable), and two to three months of bank statements.
Once you’re under contract on a specific property, you’ll also need the accepted offer, MLS listing, and — depending on the lender — a property appraisal. We’ll give you a clear checklist tailored to your situation before you start house hunting, so there are no last-minute scrambles once you find the right place.