TMG HarbourTown Mortgage
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Bank of Canada 2.25% ▬ 0.00|Prime 4.45% ▬ 0.00|GoC 5yr 3.01% ▲ 0.02|CMB 5yr 3.42% ▲ 0.01|CORRA 2.24% ▼ 0.01|as of Jun 15, 2026 · sample · view the rate board →|Bank of Canada 2.25% ▬ 0.00|Prime 4.45% ▬ 0.00|GoC 5yr 3.01% ▲ 0.02|CMB 5yr 3.42% ▲ 0.01|CORRA 2.24% ▼ 0.01|as of Jun 15, 2026 · sample · view the rate board →|

Getting Ready to Apply: Your Prep Checklist

A complete, organized file is the smoothest way to start a mortgage. Use this checklist to gather what lenders typically want to see before you apply, so the conversation moves faster and with fewer surprises.

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What to Gather

Identification

  • Government-issued photo ID for each applicant
  • Social Insurance Number, if requested
  • Current address and recent address history
  • Consent for a credit check

Income and Employment

  • Recent pay stubs
  • Letter of employment
  • T4s and recent Notices of Assessment
  • If self-employed: financials and T1 Generals
  • Other income, such as rental or pension

Down Payment and Assets

  • Recent statements showing your down payment
  • Source of funds (savings, sale, or a gift)
  • Gift letter, if any funds are gifted
  • Savings, investments, and RRSP balances
  • Estimate for closing costs set aside

Property and Obligations

  • Listing or purchase agreement, if you have one
  • Current mortgage details, if refinancing or renewing
  • Property tax and condo fee amounts
  • Balances on loans, lines of credit, and cards
The more complete the file, the smoother the start. You do not need every item before you reach out. Bring what you have, and we will tell you what is still needed. Buying commercial or building? We have document checklists for those files too.
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Start a Financing Conversation

Thinking about a purchase, a refinance, or a renewal? Start gathering the items above, then bring us your file and we will help you fill the gaps. A licensed member of our team will follow up.

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(902) 835-6420  |  contact@tmgharbourtown.ca

Information here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. This is a general guide; required documents vary by lender, application, and province, and your lender may ask for more. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.