3 Steps to Starting Your Mortgage Plan
Step 1: Complete Application
This should only take 10-15 minutes and is the very first step in the process. All applicants will be in the same application so do not start a new one for each person.
Step 2: Complete Survey
Only the primary applicant needs to do this. It is a list of questions designed to help us understand you better so we can make recommendations that suit you.
Step 3: Provide CRA Access
As a former accountant, I have access with CRA to obtain your documents if you allow me to. This optional step will allow us to obtain many documents for you, making the process easier.
Application Instructions
When completing the application, please provide the following information:
Address and Employment History
- Living Addresses for at least the last 3 years (longer than 3 years is preferred)
- All employment history for the last 10 years (or since leaving school if less)
Assets
- List the banks you have accounts with, the type of account (chequing/saving) and the balance.
- If that account will be used for down payment or closing costs, please indicate it.
- List any investments you have. Including the institution, account type (RRSP, TFSA, etc) and balance.
- Any vehicles (make, model, year, and estimated value)
- Any properties you own, co-own, or are a guarantor for
- Include any mortgage information you know
Liabilities
- I will pull a credit bureau and populate this area for you so it is not necessary to complete this.
Once the application has been completed, you will automatically be provided a list of all the required documentation. You can upload that documentation into the secure portal. It’s fast, secure, and simple!
Note: We usually need to have a quick call afterwards to fill in any blanks and get clarification on some of the items in the application and your goals.