Mortgage Architects Apply Now

SMART MORTGAGE SOLUTIONS

Refinancing

Restructure Your Mortgage. Improve Your Terms.

Review the documents and requirements needed to refinance your existing mortgage 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 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
  • 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 have it from the purchase date

Rental, Condo & Additional Property

  • If is a rental property, send rental contract
  • If is a house and you rent your basement or have Airbnb rentals, 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
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 property, mortgage balance, income, debts, and financial goals. These
details help us understand which refinancing options may apply to your application.

Continue to Questions

Need help choosing the right option?

Chat With Us Call Us