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SMART MORTGAGE SOLUTIONS

Debt Consolidation

Simplify Payments. Regain Control.

Combine high-interest debts into one manageable mortgage solution and understand the requirements before completing your external application form.

Lower
Monthly Payments
One Simplified
Payment
Guidance Before
You Apply
Helping Canadian Homebuyers
Prepare with confidence
Canada-wide Support
View Requirements

— WHAT YOU'LL NEED —

Documents Needed

Get the ones that apply to you before completing your application

Employment & Income

  • Recent letter of employment, stating hourly and annual salary, bonuses, commissions, extra hours, any other revenue if you have, company name, job title, type of employment (full-time, part-time, seasonal, casual) name and signature of contact person, company address, telephone number and email address.
  • Last 3 notice of assessment (NOA) for each applicant, send any applicable tax slips T1, T2, T3, T4, T4A, T4E, T5, and so on.
  • Last 2 months of pay stubs
  • Other income statements, if you have such as guaranteed investment certificates (GICs), other general investments, other jobs, child, spousal support (Alimony), Ontario disability support program (ODSP), Canada child benefit (CCB), old age security (OAS), Canada pension plan (CPP), Ontario Public Service Pension Plan (PSPP), Quebec pension plan (QPP)

Property & Mortgage

  • Property Insurance quote/policy
  • Recent municipal property tax bill
  • Mortgage contract
  • Recent mortgage statement
  • Assignment of agreement of purchase and sale
  • MLS listing page, if you still have it from purchase date

Rental, Condo & Additional Property

  • If you have rental properties, send leasing and mortgage contracts
  • If is a house and you rent your basement or have Airbnb rental, send leasing contract, rental city registration, municipal building permit.
  • If is a condo, send maintenance agreement

Identification & Investor
Requirements

  • Driver’s license front and back and passport for each applicant on property title
  • For investors, send resume or portfolio of yourself, business rental plan and company website
Attention

Only submit the documents that apply to your situation. Our team can help clarify anything you're unsure about before you complete the external form

— IMPORTANT DETAILS —

Before you continue

Please review a few important questions about your property, mortgage, credit history, debts, and financial situation. These
questions help us understand which details may apply to your Debt Consolidation application.

Continue to Questions

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