Mortgage documents checklist

The documents lenders and insurers typically require, organized by borrower type.

By Pragmatic Mortgage Editorial TeamReviewed by Licensed Broker Team7 min readUpdated 2025-02-01

Table of contents

Core documents

Every application starts with identification, income, and down payment documentation. Missing documents are the #1 reason for delays.

Expect two years of notices of assessment, corporate financial statements, and a statement of income. Lenders may use a two-year average.

New to Canada programs require proof of landed status or work permits, plus international credit references when available.

Do I need all documents before pre-approval?

You can start with key income and down payment items, but final approval will require a full set.

Can I upload documents later?

Yes. Our dashboard lets you upload securely and track what is still missing.

Plan your next step

Create a free account to save this guide, upload documents, and keep your broker team in the loop.