Know what you need before you start.
The document set for each mortgage type. Conditional items only apply if your situation triggers them — the application shows you exactly what fits as you go.
Purchase documents
Required(9)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
- Required
Agreement of Purchase and Sale
Fully executed Agreement of Purchase and Sale including all schedules, waivers, and amendments.
- Required
MLS Listing
Full MLS listing including remarks, photos, and lot information.
- Required
Property Tax Bill
Most recent municipal property tax bill or statement.
- Required
Lawyer / Notary Information
Name, firm, address, phone, and email of the lawyer or notary handling closing.
- Required
Void Cheque or PAD Form
Void cheque or pre-authorized debit form for mortgage payment setup.
Conditional(14)
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
- If applicable
Guarantor — government photo ID
Government-issued photo ID for the guarantor — same requirement as the primary applicant's ID.
- If applicable
Investment Account Statement — 90 Days
Most recent investment statement(s) covering 90 days for non-registered accounts used for down payment.
- If applicable
RRSP / TFSA Statement
Statement confirming registered account balance used for down payment (e.g., Home Buyers Plan).
- If applicable
Recent Pay Stub
Most recent pay stub showing year-to-date earnings.
- If applicable
T4 — Prior Tax Year
T4 slip from your most recent completed tax year.
- If applicable
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- If applicable
Condo Status Certificate
Status Certificate package (Form 100) including financials, declaration, by-laws, and rules.
- If applicable
Gift Letter
Signed letter from donor confirming the gift is non-repayable, including donor name, relationship, and amount.
- If applicable
Gift Deposit Confirmation
Bank statement or wire transfer receipt confirming gift funds have been deposited into the borrower's account.
- If applicable
Statement of Adjustments — Sale of Property
Lawyer's Statement of Adjustments showing net proceeds from the sale of an existing property.
- If applicable
Builder Deposit Receipt
Receipt(s) from builder confirming deposits paid toward a pre-construction purchase.
- If applicable
Lease Agreement
Current signed residential or commercial lease agreement.
- If applicable
T776 — Statement of Real Estate Rentals
CRA T776 form from prior tax year showing rental income and expenses.
Lender-dependent(2)
- May be requested
MPAC Assessment
Most recent MPAC property assessment notice.
- May be requested
Property Appraisal
Full appraisal report from an AACI or CRA designated appraiser.
Optional(1)
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.
Pre-approval documents
Required(3)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
Conditional(1)
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
Lender-dependent(1)
- May be requested
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
Refinance documents
Required(9)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
- Required
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- Required
Property Tax Statement (Existing Property)
Most recent property tax statement showing taxes paid current.
- Required
MPAC Assessment
Most recent MPAC property assessment notice.
- Required
Lawyer / Notary Information
Name, firm, address, phone, and email of the lawyer or notary handling closing.
- Required
Void Cheque or PAD Form
Void cheque or pre-authorized debit form for mortgage payment setup.
Conditional(11)
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
- If applicable
Guarantor — government photo ID
Government-issued photo ID for the guarantor — same requirement as the primary applicant's ID.
- If applicable
Investment Account Statement — 90 Days
Most recent investment statement(s) covering 90 days for non-registered accounts used for down payment.
- If applicable
RRSP / TFSA Statement
Statement confirming registered account balance used for down payment (e.g., Home Buyers Plan).
- If applicable
Recent Pay Stub
Most recent pay stub showing year-to-date earnings.
- If applicable
T4 — Prior Tax Year
T4 slip from your most recent completed tax year.
- If applicable
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- If applicable
Condo Status Certificate
Status Certificate package (Form 100) including financials, declaration, by-laws, and rules.
- If applicable
Existing Debt Statements
Most recent statements for credit cards, lines of credit, and loans being paid out at closing.
- If applicable
Lease Agreement
Current signed residential or commercial lease agreement.
- If applicable
T776 — Statement of Real Estate Rentals
CRA T776 form from prior tax year showing rental income and expenses.
Lender-dependent(1)
- May be requested
Property Appraisal
Full appraisal report from an AACI or CRA designated appraiser.
Optional(1)
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.
Renewal documents
Required(6)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- Required
Property Tax Statement (Existing Property)
Most recent property tax statement showing taxes paid current.
- Required
Void Cheque or PAD Form
Void cheque or pre-authorized debit form for mortgage payment setup.
Conditional(1)
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
Lender-dependent(1)
- May be requested
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
Optional(1)
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.
HELOC documents
Required(8)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
- Required
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- Required
Property Tax Statement (Existing Property)
Most recent property tax statement showing taxes paid current.
- Required
MPAC Assessment
Most recent MPAC property assessment notice.
- Required
Void Cheque or PAD Form
Void cheque or pre-authorized debit form for mortgage payment setup.
Conditional(8)
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
- If applicable
Guarantor — government photo ID
Government-issued photo ID for the guarantor — same requirement as the primary applicant's ID.
- If applicable
Investment Account Statement — 90 Days
Most recent investment statement(s) covering 90 days for non-registered accounts used for down payment.
- If applicable
RRSP / TFSA Statement
Statement confirming registered account balance used for down payment (e.g., Home Buyers Plan).
- If applicable
Recent Pay Stub
Most recent pay stub showing year-to-date earnings.
- If applicable
T4 — Prior Tax Year
T4 slip from your most recent completed tax year.
- If applicable
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- If applicable
Condo Status Certificate
Status Certificate package (Form 100) including financials, declaration, by-laws, and rules.
Lender-dependent(2)
- May be requested
Property Appraisal
Full appraisal report from an AACI or CRA designated appraiser.
- May be requested
Lawyer / Notary Information
Name, firm, address, phone, and email of the lawyer or notary handling closing.
Optional(1)
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.
Private mortgage documents
Required(5)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Property Tax Statement (Existing Property)
Most recent property tax statement showing taxes paid current.
- Required
Lawyer / Notary Information
Name, firm, address, phone, and email of the lawyer or notary handling closing.
Conditional(3)
- If applicable
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- If applicable
Condo Status Certificate
Status Certificate package (Form 100) including financials, declaration, by-laws, and rules.
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
Lender-dependent(2)
- May be requested
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
- May be requested
Property Appraisal
Full appraisal report from an AACI or CRA designated appraiser.
Optional(5)
- Optional
Property Photos
Interior and exterior photos of the subject property (in lieu of formal appraisal for some private lenders).
- Optional
MPAC Assessment
Most recent MPAC property assessment notice.
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.
- Optional
Void Cheque or PAD Form
Void cheque or pre-authorized debit form for mortgage payment setup.
- Optional
Personal Net Worth Statement
Detailed personal net worth statement for each guarantor.
Construction documents
Required(16)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Bank Statements — 90 Days
Statements covering the 90 days prior to closing for any account holding down payment funds.
- Required
Construction / Build Contract
Fully executed contract with general contractor specifying scope, cost, and timeline.
- Required
Blueprints / Architectural Drawings
Stamped architectural drawings showing the proposed build.
- Required
Cost Breakdown
Itemized cost breakdown by trade and stage of construction.
- Required
Building Permit
Issued municipal building permit for the project.
- Required
Builder Agreement
Pre-construction or new-build agreement with builder including all schedules.
- Required
Construction Progress Photos
Photos showing current stage of construction (foundation, framing, lockup, completion).
- Required
Property Survey
Real Property Report or surveyor's certificate showing lot dimensions and structures.
- Required
MPAC Assessment
Most recent MPAC property assessment notice.
- Required
Property Tax Bill
Most recent municipal property tax bill or statement.
- Required
Property Appraisal
Full appraisal report from an AACI or CRA designated appraiser.
- Required
Lawyer / Notary Information
Name, firm, address, phone, and email of the lawyer or notary handling closing.
- Required
Void Cheque or PAD Form
Void cheque or pre-authorized debit form for mortgage payment setup.
Conditional(7)
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
- If applicable
Guarantor — government photo ID
Government-issued photo ID for the guarantor — same requirement as the primary applicant's ID.
- If applicable
Investment Account Statement — 90 Days
Most recent investment statement(s) covering 90 days for non-registered accounts used for down payment.
- If applicable
RRSP / TFSA Statement
Statement confirming registered account balance used for down payment (e.g., Home Buyers Plan).
- If applicable
Recent Pay Stub
Most recent pay stub showing year-to-date earnings.
- If applicable
T4 — Prior Tax Year
T4 slip from your most recent completed tax year.
- If applicable
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
Optional(1)
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.
Reverse mortgage documents
Required(6)
- Required
Government-Issued Photo ID
Valid driver's licence, passport, or provincial photo ID. Must show full name, photo, and signature.
- Required
Credit Bureau Consent
Signed consent authorizing GTA Lenders to pull a credit bureau report.
- Required
Your credit report
Your full credit report — pull it yourself for free from Equifax or TransUnion (or Borrowell / Credit Karma). This is a soft check that does not affect your score. We review it first and only run a formal (hard) credit check, with your consent, if your file fits an A-lender.
- Required
Property Tax Statement (Existing Property)
Most recent property tax statement showing taxes paid current.
- Required
MPAC Assessment
Most recent MPAC property assessment notice.
- Required
Lawyer / Notary Information
Name, firm, address, phone, and email of the lawyer or notary handling closing.
Conditional(3)
- If applicable
Existing Mortgage Statement
Annual statement or current statement from existing lender showing balance, rate, and term.
- If applicable
Condo Status Certificate
Status Certificate package (Form 100) including financials, declaration, by-laws, and rules.
- If applicable
Co-Applicant Document Set
Full document set for co-applicant — mirrors the primary applicant's requirements.
Optional(1)
- Optional
Fire Insurance Binder
Insurance binder confirming coverage on the subject property, with the lender named as loss payee.