FHSA, RRSP & BC exemptions
Stack the First Home Savings Account ($8,000/yr, up to $40,000), the RRSP Home Buyers' Plan (up to $60,000 each) and BC's transfer tax exemption.
Plan my down payment
Resources
Helpful guides.
Your renewal playbook
Why the first offer is rarely the best one, when to start shopping, and how switching lenders at renewal works.
Renewal FAQThe stress test, explained
Lenders qualify you at the greater of your rate + 2% or 5.25%. Here's how that changes what you can borrow.
Try the calculatorMortgage document checklist
Get ready
Your mortgage document checklist
Every file is a little different, but these are the documents most lenders ask for. Upload them securely through the online application.
Start my applicationIdentity
- Government photo ID (driver's licence or passport)
- Void cheque or pre-authorized debit form
Employed income
- Recent pay stub (last 30 days)
- Letter of employment
- T4s and Notices of Assessment (2 years)
Self-employed income
- T1 Generals and Notices of Assessment (2 years)
- Business licence or articles of incorporation
- Financial statements (if incorporated)
Down payment & property
- 90 days of account statements showing your down payment
- Gift letter, if family is helping
- Accepted offer and MLS listing
- Current mortgage statement and property tax bill (renewals and refinances)
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