How It WorksFrom hello to house keys, every step Budget BoostFind the house hiding in your spending Pre-ApprovalShop with a number you can trust First-Time Home BuyersPrograms, down payment, the whole game plan Buy a HomeMoving up, moving on, moving in Investment PropertiesRentals that actually pencil out RateWatch+Rates drop before closing? We chase the lower one

Self-Employed Healthcare Workers Educators Restaurant & Retail Employees New to Canada 2SLGBTQI+ Mortgages All mortgage solutions

Renew a MortgageDon’t sign the bank’s first offer Refinance a MortgageBetter rate, better terms, or both Payment ReliefOne payment. One plan. Way less stress Spousal & Family BuyoutsKeep the house through a life change

After Closing Monthly Homeowner Reports Renewal Defense Annual Mortgage Review Yearly Mortgage Checkup Renewal Reminder Cash Flow Optimizer

Live rate boardUpdated daily across 50+ lenders 5-year fixedCanada’s most popular term 5-year variableMoves with prime 3-year fixedShorter lock, lower break cost

First-time buyer ratesInsured rates from 5% down Renewal ratesBeat your bank’s renewal offer Refinance ratesConsolidate · renovate · unlock equity

Edmonton Calgary Red Deer Lethbridge All Alberta cities

Mortgage PaymentWhat it really costs, every two weeks or every month AffordabilityYour real number — stress test already baked in Closing CostsThe stuff nobody warns you about, totalled Budget BoostFind the house hiding in your spending Cash Flow OptimizerDebt, mortgage or invest? Let the math referee Deal AnalyzerIs that rental a deal? Buy, borderline or walk — in 60 seconds All calculatorsEvery number you’re curious about, no spreadsheet

First Home Strategy PlanYour step-by-step path from renting to keys Renewal CheckerIs the bank’s offer actually good? Find out fast Payment Relief BlueprintBreathing room when the payment’s too tight Yearly Mortgage CheckupTwo minutes. Is your mortgage still the right fit?Renewal ReminderWe’ll nudge you before the bank does

Strategy VaultStraight talk on mortgages, minus the jargon Mortgage PlaybooksFree guides for the move you’re making

Our Story How It Works Guiding Principles The Experience Kindness Matters Most Homeownership for Everyone Reviews & Client Stories Contact

Let's Talk Client Login

Document Checklist

Walk in prepared.

Tell us a little about your situation and we'll build the exact document list to bring to your pre-approval — then print it or save it as a PDF.

How are you paid?

Pre-Approval Document Checklist

September 21, 2026

Identity

Two pieces of government-issued ID (one photo).
Social Insurance Number.
Current address and address history (past 2–3 years).

Income

Recent pay stubs (last 2–3).
A letter of employment (role, salary, start date, status).
T4 slips for the last two years.
Notices of Assessment (NOAs) for the last two years.

Down payment & savings

90-day history for every account holding your down payment.
Proof of savings: FHSA, RRSP, TFSA and chequing/savings statements.
Explanation for any large or unusual deposits.

Debts & obligations

A list of monthly debts: car, student loans, lines of credit, cards.
Statements for any loans or balances you're carrying.

The property

The MLS listing / purchase details once you have a target home.
For condos: the condo/estoppel documents and reserve fund study.
Void cheque or pre-authorized debit form for payments.

A general guide from the Hello Mortgage Team, tailored to what you told us — your lender may request more or fewer documents. This is educational only, not a pre-approval or advice.

This is exactly what will print — the options won't.