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TMG The Mortgage Group Canada Inc.

Applying for a mortgage? If these apply to you start gathering them now to make for a smoother mortgage application.

Income

Employee

Job Letter from Employeron company letter head, states your position, tenure, salary or hourly wage, guaranteed hours, any bonus component and signed off with contact number for confirmation

Pay stubmost recent pay stub within the last 30 days

T4most recent two years required if you earn overtime, bonus, or commission income along with pension income or are on contract

Self-Employed, Commission, Contract

T1 Generalmost recent two years personal returns, all pages including Statement of Business Activities and Real Estate Rentals if applicable

Notice of Assessmentsmost recent 2 years and if any income taxes owing confirmation they have been paid in full

Business

Articles of incorporation - all pages including certificate of incorporation, registrar of directors and current share structure

Articles of Amendment - if any changes since incorporation

Financial statements - most recent two years prepared by an accountant

Real Estate (already owned)

Property tax notice - most recent year

Mortgage - most recent mortgage and/or HELOC statement showing property address, balance, limit, rate, payment amount

Strata feemost recent AGM to confirm payment amount

Rental incomeall pages of current tenancy agreement

Down Payment / Assets

Own savings - 90 day history of bank statements confirming name and balance (chequing, savings, non-registered investments, TFSA, RRSP)

Sale of property - contract of sale including subject removal, confirmation of deposit into your account or confirmation via solicitor for net sale amount to be deposited

Borrowed - line of credit statement to confirm name, limit, balance, rate

Gift - each lender has it’s own gift letter that will be provided to be signed, confirmation of deposit to your account

Real Estate (property being purchased)

*your realtor will assist here

Contract of Purchase and Sale - all pages signed by all parties

MLS listingif a private sale the name and contact of the sellers solicitor

Property Condition Disclosure Statement - all pages signed by all parties

Form B - strata property only

Depreciation Report - if noted on Form B as available

Annual General Meeting Minutes - most recent two years 

Other

Identification - two pieces of government issued ID, front and back

Separation agreementall pages to confirm receipt of or payment for child or spousal support

Life is complicated. Getting a mortgage shouldn't be.
As an independent Mortgage Broker I save you time and money by shopping mortgage solutions tailored to your immediate needs and long term goals. I work for you, not the bank. I have 23 years lending experience backed by a Bachelor of Commerce Degree, Personal Financial Planning & Certified Reverse Mortgage Specialist designations. TMG The Mortgage Group is an award winning, independent & locally owned brokerage, recognized for a 32 year history and billions in closed business. We have a solution for your mortgage need! But it's not all about mortgages... I was born & raised in Vancouver and love spending time with my family in nature, capturing photos of this beautiful city and playing tennis, riding my bike or running. Great mortgage advice is about you. Your hopes, dreams and aspirations. Choose wisely because it's more than just a mortgage!

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