SMART MORTGAGE SOLUTIONS

Lender Transfer

Move Your Mortgage. Keep Momentum.

Get ready to transfer your mortgage to another lender by preparing the documents commonly requested before completing your external application form.

Lower
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Guidance Before
You Apply
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View Requirements

— WHAT YOU'LL NEED —

Documents Needed

Get the ones that apply to you before completing your application

Employment & Income

  • Recent employment letter, 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) contact person name and signature, company address, telephone number and email address.
  • 3 last year’s notice of assessment (NOA) for each applicant, send your tax slips T1, T2, T3, T4, T4A, T4E, T5, and so on.
  • 2 last months of pay stubs
  • Other incomes statement, 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

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

Rental, Condo & Additional Property

  • If is a rental property, send leasing and mortgage contract
  • 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
  • Leasing contract, if is a rental property

Identification & Investor
Requirements

  • Driver’s license front and back and passport for each applicant on the property title
  • For investors, send resume and portfolio of yourself, company website, business rental plan.
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 current lender, mortgage terms, renewal timing, income, property, and financial situation. These
details help us understand which lender transfer options may apply to your application.

Continue to Questions

Need help choosing the right option?