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Ontario mortgage application document checklist

Common borrower documents Ontario mortgage agents request — for operational use. Verify requirements with your principal broker, lenders, and current FSRA/FINTRAC guidance.

What documents do Ontario mortgage agents typically collect?

A typical Ontario mortgage file commonly includes government photo ID, proof of income, down-payment verification, employment documentation, and property details — plus lender-specific conditions. Self-employed borrowers often add T1 General and NOA. Lender and brokerage requirements vary. Here is an operational checklist for agents:

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Checklist items

  1. Government-issued photo ID (+ secondary ID per brokerage policy)
  2. Proof of income — recent pay stubs (30 days)
  3. Employment letter (if applicable)
  4. T4 / tax slips (if requested)
  5. Notice of Assessment (especially self-employed)
  6. T1 General — last 2 years (self-employed / BFS)
  7. Business financial statements (self-employed)
  8. Bank statements — down-payment account (90 days)
  9. Gift letter + donor proof of funds (if applicable)
  10. Proof of debts / liabilities
  11. Purchase: Agreement of Purchase and Sale (when available)
  12. Refinance: Current mortgage statement + property tax bill
  13. Credit consent record
  14. List of outstanding lender conditions (PTD) — blank section

Operational checklist for Ontario mortgage agents. Verify requirements with your principal broker, lenders, and current FSRA/FINTRAC guidance.

FAQ

Commonly government photo ID, proof of income, employment verification, down-payment proof, and property details. Lenders add deal-specific items. This PDF checklist is for operational use — verify with your principal broker and lenders.

Yes. Hivi-X turns this into a reusable template: share it with each borrower via a secure guest link (no account needed) or my-id.ca portal, track what is still missing, approve each upload, and export a principal-broker-ready PDF package.

Want this as a reusable live checklist?

Instead of a static PDF, Hivi-X turns this into a reusable checklist you share with each borrower on my-id.ca — they upload every item, you track what's missing, and export a principal-broker-ready package.

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.

Ontario Mortgage Application Document Checklist | Hivi-X