PURCHASE
We will walk you through the process of your purchase.
Documents you will need:
- Drivers License
- Void Cheque
- Your Realtor and Solicitor’s contact information
- Accepted Offer, MLS Listing
- Strata documents (if the property is strata)
- Current mortgage statements for any existing mortgage or secured line of credits
- Current bank statement and/or investment statements showing net worth for the last 3 months
- Gift Letter (if down payment is gifted)
Income Verification Documents
Employed Individuals:
- T4 Slips for the last 2 years
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- 2 current Pay Slips
- Employment Letter (includes your job title, full time status, start date, overtime ad bonus abilities and wage. Employer signature required.)
Self-Employed Individuals:
- Notice of Incorporation/Articles of Incorporation (if incorporated)
- Last 2 year T1 (Full) Income Tax Returns
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- Business Financial Statements for the last 2 years
- Business Banking Statements for the last 12 months
REFINANCE
If you are looking to consolidate debt, combine your first and second mortgages, or need funds for renovations around the house or investment purchase – let us help you refinance today.
We will determine your needs and guide you through the process as quickly as possible and get you a better interest rate.
Documents you will need:
- Drivers License
- Void Cheque
- Contact information for your Solicitor of choice
- Current mortgage statements for any existing mortgage or secured line of credits
- Current property tax statement/property tax bill
- Strata documents (if the property is strata)
- Current bank and/or investment statements showing net worth for the last 3 months
Income Verification Documents
Employed Individuals:
- T4 Slips for the last 2 years
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- 2 Current Pay Slips
- Employment Letter (includes your job title, full time status, start date, overtime ad bonus abilities and wage. Employer signature required.)
Self-Employed Individuals:
- Notice of Incorporation/Articles of Incorporation (if incorporated)
- Last 2 year T1 (Full) Income Tax Returns
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- Business Financial Statements for the last 2 years
- Business Banking Statements for the last 12 months
RENEWAL
Let us take all your stress away when renewing your mortgage by allowing us to deal with your lender directly and negotiate better terms and rates on your behalf. If your lender does not give us the best option and rate for you we will find you a better solution!
Documents you will need:
- Drivers License
- Void Cheque
- Contact information for your Solicitor of choice
- Current mortgage statements for any existing mortgage or secured line of credits
- Current property tax statement/property tax bill
- Strata documents (if the property is strata)
- Current bank and/or investment statements showing net worth for the last 3 months
Income Verification Documents
Employed Individuals:
- T4 Slips for the last 2 years
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- 2 current Pay Slips
- Employment Letter (includes your job title, full time status, start date, overtime ad bonus abilities and wage. Employer signature required.)
Self-Employed Individuals
- Notice of Incorporation/Articles of Incorporation (if incorporated)
- Last 2 year T1 (Full) Income Tax Returns
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- Business Financial Statements for the last 2 years
- Business Banking Statements for the last 12 months
HOME EQUITY LINE OF CREDIT
Let us help you retrieve the equity in your home by getting you a secured line of credit today. With a Home Equity Line of Credit funds can easily be released and used for any purpose.
Documents you will need:
- Drivers License
- Void Cheque
- Contact information for your Solicitor of choice
- Current mortgage statements for any existing mortgage or secured line of credits
- Current property tax statement/property tax bill
- Strata documents (if the property is strata)
Income Verification Documents
Employed Individuals:
- T4 Slips for the last 2 years
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- 2 current Pay Slips
- Employment Letter (includes your job title, full time status, start date, overtime ad bonus abilities and wage. Employer signature required.)
Self-Employed Individuals
- Notice of Incorporation/Articles of Incorporation (if incorporated)
- Last 2 year T1 (Full) Income Tax Returns
- Notice of Assessments (with confirmation of taxes paid) for the last 2 years
- Business Financial Statements for the last 2 years
- Business Banking Statements for the last 12 months
