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 email@example.com 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.