Westoba What to bring to a mortgage appointment

What to Bring to your Mortgage Appointment

We’re looking forward to meeting with you to talk about your mortgage. Coming prepared allows us to provide you with a quick turnaround time on your mortgage request. Make sure you have everything you need for your appointment by following the tips below.

Step 1 – Collect important documents

When you go to your mortgage appointment make sure to bring the documents you need. You will need to bring:

If You’re Not Self-Employed

  • Current employment information including employer name, your occupation, employer phone number, and up to 3 years’ history of employers
  • Current pay stubs, if you have multiple jobs, bring a paystub for each job
  • If retired, proof of all pension and investment income
  • Your most recent T4s (including T4A, T4RIF if applicable) or Notice of Assessment
    • If you earn variable income such as commission, bring at least two years’ Notice of Assessments
  • Formal bank statement for your primary bank account, if you don’t already bank with Westoba

If You’re Self-Employed

  • T1 General and Notice of Assessments for 3 years
  • Formal personal and business primary bank statements if you don’t already bank with Westoba
  • Proof of business ownership

Other income sources, if applicable such as:

      • Signed contracts that will provide income
      • Letter of employment, if available
      • Investment income
      • Court-ordered separation agreements
      • Disability benefits
      • Proof of Child Tax Credit
      • Signed, recent rental agreements, if you own rental properties

Other Important Documentation – Where Applicable

  • A valid government-issued ID
    • If your home address is not current or listed on your ID, please bring a recent utility bill showing your name and address
  • Confirmation of down payment
  • Listing of assets and liabilities including:
    • Investments
    • Vehicles
    • Credit cards
    • Loans
    • Mortgages outstanding
  • Lawyers’ contact information, if you already have one
  • Details of any existing insurance protection plans, both private and through your employer, if applicable. We will also review optional payment protection available through us.
  • Details of any prior arrears, collections, consumer proposals or bankruptcies
  • Estimated valuation of home – if you already own your home
  • Confirmation of property taxes paid to the municipality if you already own your home
  • Proof of fire insurance, if you already own your home
  • Official bank statement showing mortgage if you already own your home
  • 3 years’ home address history

Download the ‘What to Bring to Appointment’ Handout

Step 2 - Come with questions

Whether you’re a first-time homebuyer, or you’re renewing, or refinancing; buying a home can be complicated. Our mortgage specialists are ready to answer any questions you might have and help you get a mortgage that makes sense to you financially.

Additional information may be requested depending on your unique circumstances. Questions about your upcoming appointment? We can answer them! Call 1-877-WESTOBA or schedule a time to talk with us.

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