Preparation checklist
Get your mortgage file ready.
The exact document list depends on your lender and situation. This checklist helps you get organized before a more tailored review.
Most purchase and refinance files
- Government-issued photo identification
- Recent income documents, such as pay stubs and employment confirmation
- Recent notices of assessment and tax returns where required
- A clear record of your down payment or equity source
- Current mortgage statement, if you already own a property
Property and offer documents
- Accepted offer or purchase contract
- MLS listing and property details
- Strata documents for a condo or townhouse, when available
- Lease information for a rental property
- Details of any subject-removal or completion deadlines
Self-employed applicants
- Two years of personal tax returns and notices of assessment
- Business financial statements or corporate tax information, when applicable
- Business registration, contracts, or revenue evidence when helpful
- A brief outline of the business and expected income stability
Renewal or refinance review
- Current lender, maturity date, balance, and payment amount
- Current mortgage contract or renewal offer
- A list of debts or expenses you are considering consolidating
- A clear purpose for any funds you plan to access
Please do not send sensitive documents through an unsecured email unless MM Mortgages has provided you with a secure upload method. Contact us first and we will confirm the best next step.