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Guide

First-time home buyer mortgage documents in Ontario

First-time home buyer Ontario mortgage files need the standard ID and income package plus purchase-specific items: Agreement of Purchase and Sale, down-payment proof, and gifted down-payment documentation (gift letter + donor proof) when applicable. Program-specific forms vary by lender. Hivi-X FTB checklists track each item with missing-item visibility.

FTB programs (brief)

First-time buyer programs and incentives change with federal and provincial policy. Your checklist should include program-specific forms your lender requires — verify with your principal broker and lender guidelines.

Gifted down payment multi-party docs

Gifted down payments add a gift letter, donor ID, and donor proof of funds. Each party may send documents on different timelines — a checklist beats a group text thread.

ID and income core

FTB borrowers still need photo ID, pay stubs or income docs, employment letter, credit consent, and down-payment verification — the same core as any purchase file.

Agent workflow tips

Build one FTB purchase checklist template and reuse per client. Share via my-id.ca portal; track missing items; export before pre-approval submission.

Organize borrower intake without the email chase

Reusable Ontario checklists, secure guest link (no account needed) or my-id.ca borrower uploads, and exportable packages alongside your LOS.

FAQ

Beyond standard ID and income, purchase files need APS, down-payment proof, and gift documentation if applicable. Program forms vary by lender.

General information only — not legal, compliance, mortgage brokering, or FINTRAC advice. Hivi-X is document-collection software, not a licensed mortgage brokerage, FSRA registrant, KYC verifier, or AML screening service. FSRA/FINTRAC obligations remain with your brokerage. Consult your principal broker, compliance officer, and qualified counsel. Last updated 2026-07-09.

General information only — not legal, compliance, mortgage brokering, or FINTRAC advice. Hivi-X is document-collection software, not a licensed mortgage brokerage, FSRA registrant, KYC verifier, or AML screening service. FSRA/FINTRAC obligations remain with your brokerage. Consult your principal broker, compliance officer, and qualified counsel.

First-Time Home Buyer Mortgage Documents Ontario | Hivi-X