Mortgage document checklist
Employment and residency profile and lender stage to a personalized document list.
Enter your employment and residency profile and the lender stage to generate a personalized document list — from identity and income records to the source-of-funds and property documents a foreign resident often needs.
Key points
- Generates a personalized list by employment and residency profile.
- Splits documents by preapproval and final-approval stage.
- Includes source-of-funds evidence for foreign residents.
- Keep documents consistent with your preapproval statements.
Inputs and outputs
Inputs: employment type (employee, contract, self-employed, company owner), residency status (PR, non-PR, spouse), and the lender stage (preapproval or final approval).
Outputs: a personalized document list — identity and residence, income and tax, employment, property and contract, and source-of-funds records tailored to your profile and stage.
How to interpret the result
Discrepancies between preapproval and final documents can cause a decline; the checklist helps you keep records consistent and complete.
What the tool shows — and what it doesn’t
In short: Generates a personalized list by employment and residency profile; Splits documents by preapproval and final-approval stage; Includes source-of-funds evidence for foreign residents; Keep documents consistent with your preapproval statements.
A calculator is only as good as its inputs and the scenarios you test, and it models arithmetic, not approval: it cannot tell you whether a lender will lend, what rate underwriting will actually offer, or how your circumstances will change. Use it to compare options and to stress-test — run a mortgage at the offered rate plus one, two, and three points, and a purchase at pessimistic as well as central assumptions — rather than to produce a single answer. Advertised rates are execution-month or example figures, not guaranteed offers, so treat any result as a planning estimate and confirm the real numbers with a dated written quotation before you commit.
Key points to carry away: Generates a personalized list by employment and residency profile; Splits documents by preapproval and final-approval stage; Includes source-of-funds evidence for foreign residents; Keep documents consistent with your preapproval statements. Use the linked guides and calculators for the full decision, and confirm anything material with the lender, a licensed broker, a judicial scrivener, or a tax accountant before you act.
Who this is for
- Buyers and borrowers modeling a decision
- Anyone stress-testing affordability
What this is not
- A guaranteed quote or approval
- Discrepancies between preapproval and final documents can cause a decline; the checklist helps you keep records consistent and complete.
Frequently asked questions
What income documents are required?
Commonly withholding slips, tax certificates, employment evidence, and bank statements; the self-employed provide multiple years of tax returns.
Should I borrow the down payment?
Undisclosed borrowing is dangerous and can cause rejection or misrepresentation concerns.