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Here’s a detailed list of documents you’ll need to provide.
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The following documents will apply to you if you are employed and receive an annual salary or hourly rate of pay. If you work multiple jobs, please provide the documents listed below for each job:
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If you own your own business, whether is a sole proprietorship or a corporation, please provide the following income documents:
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If you are retired, or are working but also receive a pension and/or investment income, please provide the following:
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Important to note for High Ratio Purchases: lenders also require that the borrower show they have 1.5% of the purchase price available for closing costs. This is in addition to the minimum 5% down. Closing costs can be from own savings, or a gift from family.
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Most of the subject property documents can be sent to us directly by your Realtor. These include:
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If you own any other properties, you will also need to provide the following:
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The following is a list of additional documents that the lender may request if you are applying to purchase a new home or refinace a mortgage in BC:
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Lenders will not accept any documents that have been redacted in any way (information blacked out, crossed out, or cut off).
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Always scan/upload all pages of each document. Missing pages will likely be requested by the lender, so this eliminates additional back and forth. Also be careful to scan the full document – often we receive documents that are cut off on the top or bottom and have to request a new copy.
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Screenshots of your bank balance from a mobile device will not be accepted by the lender. Ensure you provide an official bank statement, clearly showing the financial institution and account holder’s names.
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Ensure you are providing the most recent/current documents. A paystub from 6 months ago, for example, is not current. However a paystub from within the last month would be acceptable. If your financial institution only sends out investment statements quarterly, you may need to also print a current one online.
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Downpayment funds from own savings/investments must be in the accounts for a minimum of 90 days. All large deposits must be explained and additional documentation provided to show the source of the funds. Try not to move funds around between accounts once you start a mortgage application.
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Q: How do I get the documents to you? What format should they be?
A: You can upload documents directly into your application via the link we emailed you. Or, you can email them to us directly at docs@olympicmortgages.ca When emailing documents please put your LAST NAME in the subject line. If you are unable to scan the documents or simply have too large a package to send electronically, you may drop them off at our office. We will scan the documents and get the originals back to you.
Formats that are acceptable include: PDF and JPEG (a photo) as long as they are high enough resolution to be readable on a computer screen.
Q: What do you mean by “property tax notice”? Is that the BC Assessment notice I receive in the mail?
A: No, we do not need your BC Assessment notice. We only need your property tax bill, which is issued by your municipality.
Q: What if I can’t find copies of my Notice of Assessment (NOA) or T4?
A: We can order these on your behalf via Snap NOA. You will receive an email asking for your permission for temporary read only access to Canada Revenue Agency’s database where they will retrieve your NOAs & T4s.
Q: What do I do if I can’t find my T1 general tax returns?
A: You can either ask your accountant for copies, or if you prefer you can give you accountant permission to send us copies directly. In most cases if you email your accountant and give them permission to speak with us, we can let them know exactly what we need and receive it on your behalf.
Q: Where do I get 12 months of investment statements?
A: If you don’t have these on file or cannot access them online, we will be happy to coordinate with your financial advisor if you give them permission to release your statements to us.
Q: I don’t have a void cheque (to set up mortgage payments), what should I do?
A: Contact your bank and ask for a pre-authorized debit form. Many banks will allow you to print one off from your online banking portal.
Q: How do I get a copy of my mortgage statement?
A: By law, your lender must send you an annual mortgage statement in the mail. If you have misplaced it, you can usually print one off via your online banking, or you can contact your bank branch and request one.
Q: My spouse and I are separated but we don’t have anything formal in writing. What can I provide?
A: Let us know right away and we will inform the lender. In most cases the lender will condition for the client to sign a statutory of declaration with their lawyer confirming the information stated (re: alimony or child support payments) is correct.
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Is Summer Over, Already? Is everyone asking the same question? I’ve been here in Victoria coming on 20 years now. I’m from Calgary, where, other than the freak snowfall that lasts for a day in August (specifically in 1994 from what I remember), or the 3 day Chinook which brought summer weather in February, the […]
Time Flies. Well it’s been a month or so since my last update. Too long, I know! Kids are out of school, phone is ringing, things are busy. Is the market on fire with lots of deals happening? Not quite. There’s more people kicking at the can, finding out what their options are, and taking […]
Editorial Note When I think about social media and big news announcements, mostly everyone is regurgitating the same content. I saw it 1000 times yesterday. The variable rate dropped! Contact me to find out how this affects you! I get it. Everyone’s trying to use interest rates as a talking point to spur on business. It’s easy […]