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Guide

Mortgage pre-approval documents in Ontario

A minimum viable Ontario pre-approval package usually includes government photo ID, recent pay stubs or income documentation, an employment letter, credit consent, and down-payment verification. Self-employed borrowers add T1 General and Notice of Assessment. Hivi-X lets you build a reusable pre-approval checklist with missing-item tracking before you submit to your lender or LOS.

Minimum viable pre-approval file

Pre-approval is where incomplete files cost the most time. Lenders and underwriters will not rate a deal on vibes — they need a coherent income story, verified down-payment source, and identity on record.

  • Government-issued photo ID (and secondary ID per brokerage policy).
  • Recent pay stubs (typically 30 days) or alternative income proof.
  • Employment letter confirming role, tenure, and compensation.
  • Credit consent record.
  • Down-payment verification — bank statements, gift letter with donor proof if applicable.

Self-employed add-ons

Self-employed and BFS borrowers rarely fit a pay-stub workflow. Pre-approval packages add 2–3 years of T1 General, Notice of Assessment, business financials, and business bank statements where lenders require them.

Build a separate BFS pre-approval checklist in Hivi-X so underwriters see a complete story instead of a patchwork email thread.

Speed vs completeness

Agents under pressure to rush a lender hold sometimes submit thin files. That works until conditions land or income does not reconcile. A checklist view shows what is still outstanding before you hit submit — fewer PTD chases later.

Packaging for underwriter review

Hivi-X does not submit to lenders. It helps you collect, review, and export an organized PDF package you upload to Finmo, BOSS, Filogix, or your lender portal. Item-level approve/reject catches blurry ID and mismatched pay stubs before they reach the underwriter.

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

Commonly ID, recent pay stubs or income docs, employment letter, credit consent, and down-payment verification. Self-employed borrowers often add T1 General and NOA. Exact requirements vary by lender and brokerage.

Hivi-X does not rate or submit to lenders. It helps you collect a complete file faster with missing-item tracking and reusable checklists — so you spend less time chasing and more time on new deals.

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.

Mortgage Pre-Approval Documents Ontario | Hivi-X