Document checklist (embed) | MortgagePreApprovals.ca

Your pre-approval document checklist

Built from your situation: only the documents a lender is likely to ask you for. Print it, or keep the link.

Documents to gather7for a salaried applicant

Identity

Government photo IDLenders must verify who you are (each borrower).
Consent to a credit checkA pre-approval includes a credit report pull; ask whether it's a hard or soft inquiry.

Income

Employment letter (recent, on letterhead)Confirms position, start date, salary or guaranteed hours, and whether you're past probation.
Most recent pay stubsConfirms current pay matches the letter.
Last two years' T4 slipsShows income history; key for hourly, overtime or bonus income.

Down payment

90 days of statements for every account holding the down paymentLenders verify where the money came from; explain any large deposits.

Debts and property

Statements for loans, lines of credit and cardsConfirms balances and payments used in your TDS ratio.

Every lender's list differsThis is the common core. Your lender or broker will tell you exactly what they need; send clear, complete copies at once to avoid delays.

Estimate, not advice. Educational estimate only, not financial, mortgage, tax or legal advice. Lenders, insurers and governments set their own rules and can change them; confirm with a licensed professional before you decide.

7 documents for your situation.

Assumptions & sources

Assumptions

Built from lenders' published document lists and the FCAC's pre-approval guidance; 20 possible items.
Down-payment statements usually cover 90 days so the lender can verify the source of funds.

Sources

Financial Consumer Agency of Canada — Getting a mortgage pre-approval (rate lock 60 to 130 days) (effective October 15, 2025). Checked November 1, 2026.
Canada Revenue Agency — What is the Home Buyers' Plan. Checked November 1, 2026.
Canada Revenue Agency — First Home Savings Account (FHSA). Checked November 1, 2026.