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SMART MORTGAGE SOLUTIONS

Pre Construction

Plan Ahead. Prepare Before Closing.

Get organized for a pre-construction purchase by preparing the documents and details commonly required before completing your external application form.

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— 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.
  • 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
  • Last 3 months of your bank statement showing up your downpayment amount
  • 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
  • Municipal property tax bill
  • Assignment of agreement of purchase and sale
  • MLS listing page

Rental, Condo & Additional Property

  • If you have rental properties, send leasing and mortgage contracts
  • If you are going to rent your basement or have Airbnb rental, send leasing contract draft, 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, 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 the project, expected closing date, deposit structure, income, assets, and financial situation. These
details help us understand which pre-construction mortgage options may apply to your application.

Continue to Questions

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