Interactive mortgage tool

Build the mortgage document list that fits your situation

A purchase, refinance, construction mortgage and self-employed application do not need the same paperwork. Answer a few questions and this tool builds HopeWell's practical starting checklist around your transaction, income, properties and likely lender path.

No documents are uploaded by this tool

Build your checklist

Tell us about the mortgage

The tool starts with HopeWell's common documents, then adds the records triggered by your transaction, income and property circumstances. It does not upload or transmit your documents.

1. Transaction type

2. Likely lender path

3. Income used on the application

Select every income type used by any applicant.

4. Other property and qualification details

An applicant owns other real estateThe subject property is/will be owned by a corporation or HoldCoWe may rely on a net-worth / high-net-worth mortgage programAdds three months of asset statements and the RRSP valuation note.

Your personalized list

Mortgage document checklist

3 starting documents or evidence items. Check them off as you collect them.

Collected

0/3

Start here

Two pieces of identification — front and back

Client

For every applicant. At least one should be valid government-issued photo identification.

Note: HopeWell's Ontario starting practice does not accept an Ontario health card as identification for a mortgage application.

Consent & Engagement Letter — signed by all applicants

HopeWell

HopeWell provides the form for review and signature.

Mortgage Suitability Assessment — signed by all applicants

HopeWell

HopeWell provides the assessment for review and signature.

Important notes

• This is HopeWell's practical starting checklist. A lender, insurer, appraiser, lawyer or the facts of the application can require additional or updated documents.
• Select a transaction type to generate the property/transaction portion of the checklist.
• Select the income type(s) used by the applicants to generate the income-document portion of the checklist.

How to read the result

A starting list, not a lender commitment

HopeWell uses this logic to organize the first document request. Exact lookback periods, substitutes and extra documents can change with the lender, insurer, mortgage type, property and facts discovered during review. Private lenders often need less documentation; institutional or insured applications can require more verification.

For the reasoning behind each evidence category, read the Mortgage Documents Knowledge Centre hub. Construction borrowers can also review Construction & Development Financing, while purchase borrowers using RRSP funds should verify current Home Buyers' Plan eligibility before making a withdrawal.

Have HopeWell review your actual document list