How to apply for a mortgage
Online in 15 minutes, or at the office.
- 15 min
- To apply online
- 1 day
- For an agent to call you
- 3 things
- ID, income, down payment
What happens next
- You applyOnline or at the office.
- We call youWithin one business day.
- You get a planThen we go to the lenders that fit.
Already working with an agent? Go to the client portal.
Documents to have ready
The usual list. Your agent will tell you exactly what your lender needs.
Everyone
- Photo ID
- A list of your debts
Employed
- A recent pay stub
- A letter of employment
- Two years of T4s
Self-employed
- Two years of Notices of Assessment
- Two years of tax returns
Down payment
- 90 days of statements
- A gift letter, if family is helping
Buying
- The signed purchase agreement
- The listing
Renewing or refinancing
- Your mortgage statement
- Your property tax bill
Questions about applying
Do I have to come into the office?
No. You can do it all online and by phone.
Does applying commit me to anything?
No. Nothing is final until you accept a lender's offer.
What if I'm self-employed?
That's a good reason to use a broker. We match you with a lender that understands how you earn.
Is the online application secure?
Yes. It runs on a secure mortgage application platform.