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Don't Forget These Important Documents!

A little preparation will help us to get you the best rate.

1. Income Verification

  • If your income is salary or full time hourly we will need:
    • A recent pay stub showing the pay date, pay amount, your name and the employer’s name
    • A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary or hourly rate and hours, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA) along with copies of the T4's.
  • If you are self-employed, provide:
    • The most recent two year’s NOAs along with the full T1 Generals ( income tax returns) including all schedules
    • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either:
    • A Canada Revenue Agency T776 Statement of Real Estate Rentals along with two year’s T1 generals (personal tax returns), and the two year’s Notices of Assessment ( NOAs)
  • If you earn Alimony/Child Support, we will need the separation agreement/court order and recent bank statements confirming receipt of support.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

2. MLS Listing and Offer to Purchase (if applicable)

Your realtor will typically send this to us, so please advise them to send along your accepted offer once fully signed.

3. Current Mortgage Statement

If you currently own a home or mulitple properties, a recent mortgage statement showing your name and property address is required for each property owned.

4. Recent Property Tax Bill (for any currently owned properties not being sold)

The lender will require this to confirm the annual property taxes and that the taxes are  paid up to date.

5. Current Home Insurance Policy/Fire Insurance

(For renewal applications)

See our Mortgage and Lending Rates
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Trust Kingston Mortgage Solutions to work hard on your behalf to find the best mortgage option and rate solution for your new home, debt consolidation/refinance, renewing mortgage, commercial mortgage or whatever your mortgage need is.

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Full service Mortgage Brokerage providing custom mortgage solutions for your purchases, renewals and refinances. 613-507-5626 (LOAN). FSRA Lic#12248

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ygkmortgages YGK mortgages @ygkmortgages ·
4h

Whether you are purchasing, renewing or refinancing your mortgage, our team is here to simplify the process!

We deal with major banks, credit unions, trust companies and private lenders and we will walk you through every step to find you the right mortgage solution for you!

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ygkmortgages YGK mortgages @ygkmortgages ·
26 Jan

Three things you may not know about the mortgage process!

1) We can do everything virtually

2) We work with 60+ lenders but there are 6-10 lenders that we work with closely

3) A pre-approval is a preliminary review by the lender but the property must also be approved

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200 - 654 Norris Court
Kingston, ON K7P 2R9

613.507.LOAN (5626)
1.877.366.3487
info@kingstonmortgagesolutions.com

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