At the time of approval, you will need to provide proof of income. This might be as easy as providing the last two paystubs of your full time salaried job. More often the lender is requesting the last two years of your Notice of Assessment with your T1 Generals. These documents provide a lot of information pertaining to the income that is declared in your household. Please make sure your income taxes are up to date, if they are not done this can hurt your chances of getting a mortgage in a timely manner.

In addition, the offer of purchase and the property listing is required (your realtor will provide you with these). Additional documentation that may be required are bank statements, proof that a debt was paid off (credit card statement), investment statements, property tax bill, are the most common.