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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 avatar; YGK mortgages @YGKmortgages ·
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🧡 Today, we stand together as Canadians to recognize National Day for Truth & Reconciliation. It's a day to remember the profound impact of the residential school system on Indigenous communities & to reflect on the ongoing journey toward reconciliation.

Every child matters.🧡

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Are you concerned about your credit score affecting your chances of securing a mortgage? Fear not! Our dedicated team of experts specializes in finding tailored solutions, even if your credit history isn't perfect. We will also assist with credit rebuilding to get you prepared!

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28 Sep 1707334735968526580

Our mission is simple: We're dedicated to providing caring, professional services tailored to each client's unique financing needs. We're committed to ensuring a seamless, personalized experience, one mortgage at a time.

Experience the Kingston Mortgage Solutions Difference!

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200 - 654 Norris Court
Kingston, ON K7P 2R9

613.507.LOAN (5626)
info@kingstonmortgagesolutions.com

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