Application & identification Prepare a separate set for each applicant and any guarantor who is asked to qualify.
Completed application and consent forms Include each applicant’s contact, address and employment history. Sign the lender or broker’s requested authorizations. Not applicable To prepare
Valid government-issued photo identification Confirm the accepted ID and whether a second piece is needed. Provide it only through the secure application channel. Not applicable To prepare
Assets, liabilities and ownership summary List savings, investments, properties, mortgages, loans, credit lines, support obligations and guarantees. Include balances and payments. Not applicable To prepare
Relevant legal or credit explanations, if applicable Name-change records, separation terms affecting the application, or discharge and repayment records for past credit issues, if requested. Not applicable To prepare
Canadian status These are preparation prompts, not an eligibility decision. Confirm which status documents the lender accepts.
Confirm status for every applicant or guarantor Select a status above to see supporting-document prompts. For a company, this refers to the individuals the lender needs to review. Not applicable To prepare
Canadian citizenship evidence, if requested For example, a Canadian passport or citizenship certificate, in the form accepted by the lender. Not applicable To prepare
Permanent resident documentation Prepare a PR card or Confirmation of Permanent Residence, as accepted by the lender, with valid identification. Not applicable To prepare
Passport and current immigration authorization Prepare the relevant work or study permit and its expiry details, plus extension or renewal evidence if applicable. Ask which documents are accepted. Not applicable To prepare
Individual status review with Amir Fetanat Discuss your current status, residence and available documents before preparing the lender’s specific requests. Not applicable To prepare
Alternative credit history, if requested If Canadian credit history is limited, ask whether overseas credit records or evidence of rent and recurring bill payments would help. Not applicable To prepare
Employment & personal income Choose your income source above. Document periods below are a starting point and may vary by lender.
Confirm the income sources used to qualify Select salary, variable income, self-employment or other income above to show more detailed records. Not applicable To prepare
Personal tax returns and Notices of Assessment Have the latest NOA available. Two years of full T1 returns and NOAs are commonly requested for variable, rental or business income. Confirm the period and any proof of taxes paid. Not applicable To prepare
Current letter of employment Include job title, start date, employment status, salary or hourly rate, guaranteed hours and employer contact information. Not applicable To prepare
Two recent pay statements Include evidence for each job used to qualify. The lender may also request matching payroll deposits. Not applicable To prepare
T4 slips and year-end earnings Prepare recent T4s. If the latest return has not been filed, have the newest T4 or year-end pay statement available. Not applicable To prepare
Two-year variable-income history For overtime, bonuses, commission, seasonal or casual work, include T1s, NOAs and employer or contract evidence of the earnings. Not applicable To prepare
Contracts and renewal history, if applicable Include current contracts, contract dates, payment terms and any evidence of continuing work. Not applicable To prepare
Records for every job used to qualify Prepare employment letters, pay statements and earnings history for each employer; confirm the history period the lender needs. Not applicable To prepare
Self-employment & company records Use the records for your business structure. Corporate records apply only where relevant.
Business registration and ownership Sole proprietorship or partnership registration; for a corporation, incorporation certificate, articles, shareholder register and relevant minute-book records. Not applicable To prepare
Business background and operating summary Describe products or services, years operating, industry experience, employees, locations and online presence. Explain significant revenue changes. Not applicable To prepare
Sole proprietor or partnership tax schedules Include the business-income schedules with full personal returns, such as T2125 where applicable, usually for the latest two years. Not applicable To prepare
Company financial statements, if incorporated Prepare the latest two years, with an income statement, balance sheet and retained earnings details. Accountant-prepared statements are preferred where available; confirm if a third year is needed. Not applicable To prepare
Corporate tax and CRA account information, if requested T2 returns, corporate assessments and relevant tax-balance or payment records may be needed for incorporated borrowers. Not applicable To prepare
Business bank statements and current trading evidence Confirm the period requested. Six to twelve months of statements, invoices and signed contracts can be especially useful for a newer business. Not applicable To prepare
Current year-to-date financial results For a commercial or business file, include interim income and balance-sheet figures and explain changes since year-end. Not applicable To prepare
Pension, benefits & other income Include only income used for the application, with evidence of amount and expected continuation.
Pension and retirement income Pension or benefit statements, relevant T4A or other tax slips, recent tax records and about three months of deposit evidence, as requested. Not applicable To prepare
Support payments, if used to qualify Relevant separation agreement or court order and recent bank statements confirming receipt and payment history. Not applicable To prepare
Disability or other benefit income Benefit confirmation showing the amount, terms and expected duration, plus deposit and tax evidence requested by the lender. Not applicable To prepare
Maternity or parental leave records Employment letter confirming return date and expected pay, recent pay or benefit statements and tax records. Not applicable To prepare
Child benefits or foster income, if applicable Benefit notices or agency records and receipt history. Ask the lender whether and how this income can be used. Not applicable To prepare
Rental income used alongside other income Leases, rent deposits, property expenses and the rental schedules from your tax returns, where relevant. Not applicable To prepare
Down payment & source of funds Keep all statement pages and a clear record of transfers between accounts.
Down-payment or equity contribution statements Prepare a 90-day account history for residential down payments. For business or project equity, confirm the history required and show who owns the funds. Not applicable To prepare
Explanations and proof of large deposits or transfers Trace the source through each account, with supporting statements and transaction receipts. Not applicable To prepare
Gift letter and transfer evidence, if applicable Confirm donor eligibility with the lender. Include the relationship, source or transfer records and proof the gift was received when requested. Not applicable To prepare
Sale proceeds, if funding the transaction Prepare the sale agreement, mortgage payout information and statement of adjustments when available. Include evidence of net funds received. Not applicable To prepare
RRSP, FHSA or investment withdrawal records Include statements, withdrawal confirmations and the paper trail into the account used for closing, if applicable. Not applicable To prepare
Borrowed down-payment or equity details, if proposed Disclose the loan or credit line, balance, payment and terms. Confirm with Amir Fetanat whether the proposed source is acceptable. Not applicable To prepare
Foreign-source funds and transfer trail, if applicable Keep originating account statements, wire receipts, currency conversion records and any translations the lender requests. Confirm the statement period. Not applicable To prepare
Closing costs and remaining cash contribution Show funds available beyond the deposit, including applicable taxes, legal costs and project or business reserves. Not applicable To prepare
Purchase & property documents Use this section when buying. For a refinance or existing property, skip purchase-only records.
Signed purchase agreement and amendments Include all schedules, subject-removal documents and the closing date, if purchasing. Not applicable To prepare
Property listing and disclosure statement Include the MLS listing and Property Disclosure Statement, where available. Not applicable To prepare
Deposit receipts Include each deposit paid and the account records showing the payment. Not applicable To prepare
Property tax, assessment and strata costs Latest tax bill and payment evidence, assessment notice and strata fee details where applicable. Not applicable To prepare
Strata records, if applicable Form B, recent AGM or other relevant meeting records, financials and information about special levies or major repairs, as requested. Not applicable To prepare
Presale or new-home records, if applicable Developer contract and amendments, floor plans, deposit receipts, expected completion details and new-home warranty information. Not applicable To prepare
Existing mortgage & refinancing Include all secured borrowing, not only the first mortgage.
Current mortgage and secured credit statements Show lender, balance, payment, rate, maturity date and remaining amortization. Include second mortgages and any secured credit line. Not applicable To prepare
Renewal offer and existing mortgage contract Include the proposed terms, maturity date and current prepayment privileges. Not applicable To prepare
Mortgage insurance certificate, if available When switching an insured mortgage, ask your current lender for the insurer and certificate number. Not applicable To prepare
Payout and discharge information, when requested The lender or legal professional can confirm formal payout quotes, penalties, discharge costs and other borrowing under a collateral charge. Not applicable To prepare
Refinance purpose and debts to consolidate List the amount and use of funds. Include current statements for debts being paid out and renovation quotes if funding improvements. Not applicable To prepare
Current ownership and title details Identify all registered owners and existing secured loans. Your lawyer, notary or lender will arrange required title searches. Not applicable To prepare
Rental & investment records Use the current figures for each relevant property and explain any vacancies.
Leases and current rent roll For each unit, show rent, lease dates, deposits, vacancies and any arrears. Include signed leases and amendments where available. Not applicable To prepare
Evidence of rental income received Recent bank statements showing rent deposits, commonly at least three months, subject to the lender’s request. Not applicable To prepare
Rental tax schedules and personal assessments Full T1s with relevant T776 rental schedules and NOAs, commonly for two years. Not applicable To prepare
Schedule of owned properties Include ownership share, value, mortgage balance, payment, taxes, strata costs and rental income for each property. Not applicable To prepare
Property operating statements Income and expenses, including taxes, insurance, utilities, maintenance and management. Include historical figures and current budgets where requested. Not applicable To prepare
Market-rent evidence, if requested For a vacant or newly acquired property, ask whether the lender requires a market-rent assessment. Let the lender confirm how it should be ordered. Not applicable To prepare
Commercial property review The property, operating business and borrowing entity may each need their own records.
Property and financing summary Describe the property, owner-occupied or investment use, loan amount, proposed terms, timing and source of repayment. Not applicable To prepare
Commercial purchase or refinance package Purchase agreement and amendments, property particulars, legal description, title details and existing financing, as applicable. Not applicable To prepare
Borrower and guarantor financial position Personal net-worth statements, supporting assets and liabilities, corporate ownership and related-company information, as requested. Not applicable To prepare
Tenant and occupancy information Tenant business details, lease options, rent steps and material lease obligations, including any owner-occupied space. Not applicable To prepare
Zoning, permitted use and property information Available plans, surveys, permits, property tax bills and information on the intended use or planned changes. Not applicable To prepare
Lender-requested appraisal and property reports An appraisal, environmental assessment or building-condition report may be requested. Confirm scope and approved providers before paying for reports. Not applicable To prepare
Business loan & acquisition Use the acquisition, equipment and working-capital items that match your project.
Loan request and use-of-funds breakdown State the amount, purpose and timing. Separate equipment, working capital, expansion and acquisition costs, and identify your cash contribution. Not applicable To prepare
Business plan and management experience Describe operations, customers, market, owners’ experience and how the financing supports the business. Not applicable To prepare
Cash-flow forecast and repayment plan Prepare monthly projections and their assumptions for the period requested by the lender, including the proposed loan payment. Not applicable To prepare
Business debt and security schedule List loans, leases, credit facilities, monthly payments, guarantees and assets already pledged as security. Not applicable To prepare
Receivable, payable and inventory details, if relevant Provide current aging reports, major customer concentrations and inventory information for a working-capital review. Not applicable To prepare
Operating agreements, licences and premises Relevant premises lease, permits, licences, franchise agreements and major customer or supplier contracts. Not applicable To prepare
Equipment or improvement quotes, if applicable Supplier quotes or invoices with asset descriptions, costs and payment terms. Keep proof of purchase and payment for funded expenses. Not applicable To prepare
Acquisition agreement or letter of intent, if buying Include price, asset or share purchase structure, expected closing date, buyer contribution and any seller financing. Not applicable To prepare
Seller financials and purchase-price support, if buying Prepare historical financial statements or tax returns, current results, the asset allocation and any available valuation or due-diligence records. Not applicable To prepare
Construction & project funding Confirm the lender’s requirements before ordering paid reports or starting work.
Land and equity details Purchase agreement or ownership records, existing land financing and evidence of the equity contribution. Not applicable To prepare
Plans, specifications and approvals Drawings, specifications, zoning information, permits and approvals relevant to the stage of the project. Not applicable To prepare
Detailed construction budget Separate land, hard and soft costs, fees, contingency and financing costs. Identify costs already paid and the remaining funding needs. Not applicable To prepare
Builder contract and qualifications Signed contract, scope, payment terms, relevant experience, licence and insurance information, as requested. Not applicable To prepare
Construction timeline and proposed draw schedule Show major milestones, expected completion and when funds will be needed. Allow for lender inspections and draw conditions. Not applicable To prepare
Warranty and project insurance, if applicable New-home warranty or applicable authorization and appropriate construction insurance, as confirmed for the project. Not applicable To prepare
Project valuation or cost review, if requested The lender may require an as-completed appraisal, cost consultant or quantity-surveyor review. Confirm approved providers first. Not applicable To prepare
Progress and payment records for draws Keep invoices, inspection reports, change orders, proof of payment and any required holdback or lien documentation as work proceeds. Not applicable To prepare
Repayment or completion-financing plan Explain whether repayment will come from sale, rental operation or a long-term mortgage. Include available sale or lease commitments. Not applicable To prepare
