Documents Required

Full-Time / Salaried

• Job letterSample
• Recent paystubSample
• T4s (2 yrs)Sample
• Full T1 Generals + NOAs (2 yrs)Sample

Part-Time Income

• Job letterSample
• Recent paystubSample
• T4s (2 yrs)Sample
• Full T1 Generals + NOAs (2 yrs)Sample

Variable / Commissioned

• Job letter or employment contractSample
• Recent paystubSample
• T4s (2 yrs)Sample
• Full T1 Generals + NOAs (2 yrs)Sample

Contract / Seasonal

• Current contract(s)
• T4s or T4Es (2 yrs)Sample
• NOAs (2 yrs)Sample
• 2-yr history in the same line of work
• EI claim history if seasonalSample

Maternity / Parental Leave

• Letter confirming return date, position + salarySample
• Pre-leave paystub or EI statementSample
• T4s (2 yrs)Sample

Note: most lenders use full return salary; confirm policy

Self-Employed: Stated

• CRA statement of account ($0 owed)Sample
• 12-mo business bank statementsSample
• 3 business invoices
• HST return if applicable
• Articles of Inc. or Master Business LicenceSample
• Lender income declaration form

Self-Employed: Sole Proprietor

• Full T1 Generals w/ statement of business activities (2 yrs)Sample
• NOAs (2 yrs)Sample
• CRA statement of account ($0 owed)Sample

Self-Employed: Incorporated

• Full T1 Generals (2 yrs)Sample
• NOAs (2 yrs)Sample
• T5s or T4 (2 yrs)Sample
• Articles of IncorporationSample
• Audited financials (2 yrs) if applicableSample
• Full T2s (2 yrs)Sample

Pension / Investment

• Private pension provider letter if applicableSample
• Most recent NOASample
• T4APs, T3s, or T5s (2 yrs)Sample
• 3-mo bank statements showing pension deposits
• 3-mo investment statements if applicable

Child Tax Benefit (CCB)

• CCB entitlement letter from CRASample
• Children’s birth certificates
• 3-mo bank statements showing CCB deposits

Red flag: lenders cap children’s ages. Check policy.

Child Support / Alimony

• Separation / divorce agreement (or court order)
• 3-mo bank statements confirming support received

Rental Income

• Current lease agreementsSample
• 3-mo bank statements showing rental deposits
• Most recent T1 General incl. Statement of Real Estate ActivitiesSample
• Lender rental worksheet if applicable

Disability Income

• NOAs (2 yrs)Sample
• T4s (2 yrs)Sample
• Letter from disability provider confirming income amount, type of disability and length of coverageSample