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Westoba Credit Union

What to Bring to your Mortgage Appointment

We’re looking forward to meeting with you to talk about your mortgage. Come prepared, this will allow 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:

Collect Important Documents

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

Income confirmation

  • 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
    • 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.
  • 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

Additional information may be requested depending on your unique circumstances. If you are unsure, please call us at 1-877-937-8622, we would be happy to assist you.

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.


Questions about your upcoming appointment? We can answer them! Call 1-877-WESTOBA or email us at infowcul@westoba.com