Documents to Prepare for Mortgage Pre-Approval

Gather these documents before applying. Having them ready can help speed up the approval process.

Employment and Income

  • Your two most recent pay stubs.
  • T4 Slips from the past two years.
  • Notices of Assessment (NOAs) from the past two years.
  • An employment letter confirming your salary and start date.
  • If self-employed: two years of personal tax returns and business financial statements.

Down Payment

  • Bank statements for all accounts covering the past 90 days.
  • RRSP statements, if you plan to use Home Buyers Plan.
  • Investment account statements, if applicable.
  • If receiving a family gift: a gift letter.
  • If using proceeds from a home sale: the sale agreement.

Identity and Credit

  • Government-issued photo ID, such as a driver's licence or passport.
  • Social Insurance Number (SIN).
  • Consent for a credit check.
  • If you're new to Canada: work permit and 12 months of bank history.

Existing Debts and Assets

  • A list of monthly debt payments, such as car, student loans, and credit payments.
  • Your most recent credit card statements.
  • Car loan or lease agreement, if applicable.
  • If selling a home: current mortgage statement.
Data last updated on November 9, 2026 at 01:30 PM (UTC).
Copyright 2026 by the REALTORS® Association of Edmonton. All Rights Reserved.
Data is deemed reliable but is not guaranteed accurate by the REALTORS® Association of Edmonton.
The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.