Document Directory
& Sample Documents
Need more information? Explore our collection of documents and sample materials below. Have questions? Our team is always ready to assist.
Property
Income
Down Payment
Credit
ID
Lender Forms
Property
Income
Down Payment
Credit
ID
Lender Forms
New Home Warranty Certificate
Long description:
Where you can find it:
They should already have it or can request it from the builder if needed.
Title Search
Long description:
Where you can find it:
Realtors often provide this with the listing. Alternatively, a lawyer can order it, or an agent can request it through the provincial land titles office.
Closing Costs
Long description:
Closing Costs will vary based on the property and transaction type. Consult with one of our representatives for an accurate assessment of what your closing costs will be.
Where you can find it:
N/A
Strata Documents
Long description:
Where you can find it:
Strata Documents can include items such as Form B, strata meeting minutes, depreciation reports, and more.
Purchase Waiver
Long description:
Where you can find it:
The real estate agent will provide it.
Purchase Agreement
Long description:
Where you can find it:
Clients can request this from their realtor.
Property Tax Notice
Long description:
Where you can find it:
It can be obtained from City Hall, the local city website, a realtor, or a lawyer.
Property Disclosure Statement
Long description:
Where you can find it:
It should be provided by a realtor and is usually attached to the purchase agreement.
Mortgage Statement
Long description:
Where you can find it:
The lender sends this statement annually, but it can also be accessed online or through the financial institution that holds the mortgage.
Property Tax Certificate
Long description:
Where you can find it:
It can be obtained from City Hall, the local city website, a realtor, or a lawyer.
MLS Listing
Long description:
Where you can find it:
While MLS Listings can often be searched online, they are typically requested from a realtor.
Home Inspection
Long description:
Where you can find it:
To arrange a home inspection, search for an inspector in the area or ask your realtor for a recommendation.
Final Builder Statement of Adjustments
Long description:
Where you can find it:
Borrowers can obtain a copy from the builder.
Condo Board Letter
Long description:
Where you can find it:
You can obtain this from the condo board or through a realtor.
Appraisal
Long description:
Where you can find it:
Depending on the lender, you can order the appraisal from an approved firm or providers like NAS or Solidify. Once completed, the appraisal is typically emailed to both you and the lender.
T5 Statement of Investment Income
Long description:
The T5 Statement of Investment Income is a document used to report investment income to the Canada Revenue Agency (CRA). It includes details such as dividends, interest, capital gains, and other income from investments like stocks, bonds, and mutual funds. This statement helps calculate the taxes owed on investment income.
Where you can find it:
It is typically sent by the financial institution that holds the investments or savings accounts that generate returns, with documents sent out by the end of February each year. Alternatively, it can be accessed through the CRA’s My Account.
T4RSP
Long description:
The T4RSP is a Canadian tax document issued by the Canada Revenue Agency (CRA) to report income from Registered Retirement Savings Plans (RRSPs) and other retirement plans. It includes details of contributions, withdrawals, transfers, and other transactions. The T4RSP is used to calculate taxes owed and ensure accurate reporting of income from retirement plans. Proper reporting is crucial to avoid penalties or interest.
Where you can find it:
The document is sent by the administrator of the RRSP.
T4E
Long description:
The T4E is a Canadian tax document issued by the Canada Revenue Agency (CRA) to report income from Employment Insurance (EI) benefits. It details the amount of EI received, the income tax withheld, and any repayments required. The T4E is used to calculate the amount of tax an individual owes based on their EI benefits, as well as to report Employment Insurance (EI) premiums and Canada Pension Plan (CPP) contributions.
Where you can find it:
This document is sent by the administrator by the end of February each year and can also be found on the CRA’s My Account.
T4A(OAS)
Long description:
The T4A(OAS) is a tax form issued by the Canada Revenue Agency (CRA) to report income from Old Age Security (OAS) payments. It may also cover other pension income, annuities, or taxable benefits. The form is used to calculate taxes owed on this income and report any eligible deductions or credits. Accurate completion of the T4A(OAS) is essential for proper tax filing in Canada.
Where you can find it:
The CRA sends this form out in February each year. It may be attached to the T1 general tax return, or an accountant may have a copy.
T4A(CPP)
Long description:
The T4A(CPP) is a Canadian tax form used to report Canada Pension Plan (CPP) benefits received by an individual in a given tax year. It outlines the amount of CPP benefits and calculates the tax owed on these payments. The form is also used to determine eligibility for tax credits or deductions. Issued by the Canada Revenue Agency (CRA), the T4A(CPP) must be filed with the individual’s income tax return.
Where you can find it:
The CRA sends this form out in February each year. It may be attached to the T1 general tax return, or an accountant may have a copy.
T4A(P)
Long description:
The T4A(P) is a Canadian tax slip used to report pension or annuity income. It is issued by employers, pension administrators, and other payers to individuals receiving such payments. This slip is used to report income to the Canada Revenue Agency (CRA) and to calculate the taxes owed. It also helps determine eligibility for certain deductions and benefits.
Where you can find it:
The CRA sends this form by the end of February each year, and it can also be accessed through CRA’s My Account.
T4A
Long description:
The T4A is a Canadian tax document used to report income from pensions, annuities, scholarships, bursaries, research grants, and other income sources. Employers use it to report employee income, and individuals use it to report income from pensions and annuities. It helps calculate taxable income and ensures the Canada Revenue Agency (CRA) receives accurate income reporting.
Where you can find it:
This form is sent by the administrator by the end of February each year. Alternatively, it can be accessed via CRA’s My Account or obtained through Snap NOA with client consent.
Long description:
The T4 is a tax slip issued by employers to employees and pensioners in Canada, used to report income earned and deductions made during the tax year. The information on the T4 helps calculate income tax and benefit returns. It is also used to apply for government benefits like the Canada Child Benefit and the GST/HST credit.
Where you can find it:
Employers send this form by February each year. If you can’t find a previous year’s T4, your employer or accountant may have a copy. It can also be obtained through Snap NOA with client consent.
T3 Trust Income
Long description:
The T3 Trust Income slip is a document issued by financial institutions to report income generated from a trust account. It provides the Canada Revenue Agency (CRA) with details of the income earned, such as interest, dividends, and capital gains, as well as any associated expenses like taxes and fees. The T3 helps the CRA determine the taxable income of the trust and ensures proper management of the trust account.
Where you can find it:
It is issued by the administrator and sent out annually by the end of March.
T2 Corporate Income Tax Return
Long description:
The T2 Corporate Income Tax Return is a form used by Canadian corporations to report their income and calculate the taxes owed to the Canada Revenue Agency (CRA). All corporations operating in Canada must file this form annually, regardless of profitability. It includes sections for reporting income, deductions, credits, and information about the corporation’s shareholders, directors, and officers. The T2 helps determine the taxes owed and allows the CRA to assess the corporation’s compliance with Canadian tax laws.
Where you can find it:
Accountant
T1 Statement Of Rental Income
Long description:
The T1 Statement of Rental Income is a document landlords use to report rental income to the Canada Revenue Agency (CRA). It captures income from properties like houses, apartments, and other rentals. The form is used to calculate taxes owed on rental income and to provide proof for tax credits and deductions. It ensures landlords pay the correct amount of tax on rental earnings.
Where you can find it:
Included in their T1 General tax return. The accountant or tax professional can provide a copy.
T1 Statement of Business Activities
Long description:
The T1 Statement of Business Activities reports a business’s income and expenses to the Canada Revenue Agency (CRA). It calculates income tax and GST/HST owed by the business and covers financial transactions like sales, expenses, and purchases. The form must be filed annually to report a business’s financial activity and GST/HST amounts collected or paid.
Where you can find it:
The T1 Statement of Business Activities reports a business’s income and expenses to the Canada Revenue Agency (CRA). It calculates income tax and GST/HST owed by the business and covers financial transactions like sales, expenses, and purchases. The form must be filed annually to report a business’s financial activity and GST/HST amounts collected or paid.
T1 General
Long description:
The T1 General is the form used by individuals in Canada to file their annual income tax return. It includes income from employment, business, capital gains, and other sources and is used to calculate the amount of tax owed. Individuals also claim credits and deductions on this form.
Where you can find it:
Provided by the accountant or tax preparer.
6-Months Business Bank Statements
Long description:
This document summarizes all of a business’s financial transactions over six months, detailing transaction dates, amounts, types, and account balances. It helps businesses track financial activity and cash flow while assessing creditworthiness.
Where you can find it:
Available through online banking.
Separation Agreement
Long description:
A Separation Agreement is a legal contract outlining the terms of a couple’s separation, including property division, child custody, and spousal support. It serves as evidence in legal proceedings or divorce filings.
Where you can find it:
Obtainable through a lawyer.
Pay Stub
Long description:
A Pay Stub is a record provided by an employer detailing an employee’s earnings and deductions for a specific pay period. It also includes year-to-date earnings and deductions, and is often used for tax purposes or income verification.
Where you can find it:
A Pay Stub is a record provided by an employer detailing an employee’s earnings and deductions for a specific pay period. It also includes year-to-date earnings and deductions, and is often used for tax purposes or income verification.
Notice of Assessments
Long description:
The NOA is issued by the Canada Revenue Agency (CRA) to summarize a taxpayer’s income, credits, and deductions for the year. It outlines taxes paid, amounts owed, or refunds due.
Where you can find it:
Available via CRA’s website or mailed annually. An accountant may also have a copy. Obtainable via SnapNOA with client consent.
Letter of Employment
Long description:
A Letter of Employment confirms an individual’s job status, salary, and employment history. It’s typically used for loan applications, rental agreements, or visa processes.
Where you can find it:
Request from the employer.
Letter from Pension Provider
Long description:
This document outlines the details of a pension plan, including contributions, benefits, and contact information. It’s used to help individuals or businesses understand their pension plans.
Where you can find it:
Obtainable from a previous employer or the pension administrator.
Lease Agreements
Long description:
A Lease Agreement is a legally binding contract between a landlord and tenant that outlines the terms of renting a property, including rights, responsibilities, rent, and lease duration.
Where you can find it:
Provided by a realtor or from a tenant if buying a tenanted property. Alternatively, found in their own records for rental properties.
Final Pay Stub Calendar Year
Long description:
This document summarizes an employee’s wages, bonuses, and deductions over a year, helping ensure the accuracy of earnings and taxes. Employees can use it to track their earnings and deductions.
Where you can find it:
Typically mailed or emailed by the employer.
CRA Statement of Account
Long description:
The CRA Statement of Account provides a summary of an individual or business’s account balance with the CRA, including payments, amounts owed, and any credits or refunds.
Where you can find it:
Available on the CRA My Account portal.
Corporate Financial Statements
Long description:
These documents offer a complete overview of a company’s financial status, including balance sheet, income statement, and cash flow. Investors, creditors, and managers use them to assess financial health.
Where you can find it:
Prepared by an accountant.
Child Tax Credit
Long description:
The Child Tax Credit is a federal tax benefit for eligible taxpayers with dependent children under 17. It helps reduce taxes owed or provides a refund, with a maximum credit of $2,000 per qualifying child.
Where you can find it:
Sent by the CRA by June annually. Also available on CRA My Account.
Business License
Long description:
A Business License is a legal permit issued by a government authority allowing a business to operate. It ensures compliance with local laws and regulations.
Where you can find it:
Issued by the local city or town government.
Audited Financial Statements
Long description:
Audited Financial Statements are reviewed by an independent auditor to confirm accuracy. They provide insight into a company’s financial status and are required for regulatory compliance.
Where you can find it:
Available from the company’s accountant or provided by the client.
Articles of Incorporation
Long description:
Articles of Incorporation are legal documents filed with the government to establish a corporation. They contain the corporation’s name, purpose, address, and directors, serving as the basis for its legal existence.
Where you can find it:
Prepared by a lawyer.
Disability Insurance Letter
Long description:
This letter provides details about a disability insurance plan, including contributions, benefits, and contact information, helping individuals make informed decisions about their coverage.
Where you can find it:
Obtainable from the employer or disability insurance company.
90-Day Bank Statement on All Accounts
Long description:
A 90-day bank statement summarizes all transactions on an individual’s bank accounts over the last 90 days. It shows details like dates, types of transactions, amounts, and the account balance. This document is commonly used to prove financial activity for lenders or creditors to assess financial stability and creditworthiness.
Where you can find it:
Online banking or paper files, depending on delivery preference.
TFSA Account
Long description:
A TFSA allows Canadians to save money without paying taxes on earnings, like investment income or capital gains. While contributions aren’t tax-deductible, withdrawals and income from the account remain tax-free. TFSAs are useful for retirement savings, major purchases, or emergency funds.
Where you can find it:
Online banking or paper bank statements.
Sale Agreement
Long description:
A Sale Agreement outlines the terms of a sale between two parties. It includes details about the items or services being sold, price, payment terms, and delivery conditions. This document protects both buyer and seller in case of disputes and should be reviewed carefully by both.
Where you can find it:
Realtor or client.
RRSP Statement
Long description:
An RRSP statement tracks the contributions, withdrawals, and balances of a Registered Retirement Savings Plan (RRSP). It helps individuals monitor retirement savings and ensure the account is managed correctly. Reviewing it regularly aids in planning for future retirement needs
Where you can find it:
Online banking or hard copy by mail.
Realtor Deposit Receipt
Long description:
A Realtor Deposit Receipt is proof of a buyer’s deposit when purchasing real estate. It includes the deposit amount, date, time, and buyer’s name. Both buyer and realtor should keep a copy for their records.
Where you can find it:
Realtor.
Line of Credit Statement
Long description:
This statement summarizes a borrower’s line of credit balance, payments, and usage. It is used by borrowers to track their credit and by lenders to assess credit limits and payment history.
Where you can find it:
Online banking or by mail.
Investment Statements
Long description:
An investment statement provides an overview of an individual’s investment portfolio, including total value, returns, and asset composition. Investors use this document to monitor performance and make informed financial decisions.
Where you can find it:
Investment advisor, investment portal, online banking, or by mail.
Gift Letter
Long description:
A Gift Letter confirms that a sum of money was given without repayment expectations, often used when contributing to a home down payment. It includes the donor’s details, the gift amount, and both parties’ signatures.
Where you can find it:
Most lenders provide a template.
Confirmation of Gift Deposit
Long description:
This document acknowledges the receipt of a gift deposit, serving as proof of the transaction. It includes the deposit amount, date, and donor’s details, and is useful for tax and accounting purposes.
Where you can find it:
Bank statements.
Bank Statement Showing Source of Deposit
Long description:
This document details a specific deposit into a bank account, including the date, amount, and origin. It is used to verify and track deposits for financial transactions.
Where you can find it:
Online banking or paper statements.
Bank Draft
Long description:
A bank draft is a secure form of payment issued by a bank and guaranteed to be honored. It’s commonly used for large or international payments, such as buying a house or paying tuition.
Where you can find it:
Bank.
12-Months Confirmation of Rent Payments
Long description:
This document shows proof of rent payments over the past 12 months, commonly used by tenants to demonstrate their reliability and creditworthiness for loans. It includes tenant details, payment history, and landlord signature.
Where you can find it:
Online banking.
Proof of US Credit
Long description:
This document verifies an individual’s credit history in the US, including credit score and payment records. It’s often required when applying for loans or mortgages.
Where you can find it:
Equifax. Submit a request for an International Credit Bureau report via email.
Proof of Foreign Credit
Long description:
This document verifies an individual’s creditworthiness in a foreign country, including their credit history and available credit. It helps lenders assess financial risk.
Where you can find it:
Equifax or other international credit bureaus.
Proof of Collections Paid
Long description:
This document confirms that a customer has paid a debt or obligation. It’s used by businesses and creditors to show that a customer has fulfilled their financial responsibility, either partially or in full. It can also serve as evidence in legal matters. The document should be signed by both parties and include details like the payment date, amount, and method.
Where you can find it:
For a letter, the borrower can contact the collection agency. For a statement showing a $0 balance, they should request it from the creditor.
Proof of Alternative Credit
Long description:
This document verifies an individual’s creditworthiness without relying on traditional credit history. It’s used by lenders for people with limited or no access to traditional credit, such as new immigrants, self-employed individuals, or those with low income or poor credit. It may include proof of income, bank statements, rent payments, utility bills, or other evidence of financial responsibility.
Where you can find it:
Equifax or other non-US online credit bureaus. or provide bank statements showing reoccruing expenses
Void Check
Long description:
A void check is marked as invalid and cannot be used for payment. It’s often used when a check is lost, stolen, or written for the wrong amount. Void checks can also be used to verify account details or prevent fraud.
Where you can find it:
Bank branch or online banking.
PR status card- ID
Long description:
This Canadian government-issued identification card is given to permanent residents of Canada. It includes the holder’s name, photograph, and unique ID number. The card is used to prove residency status and access services like healthcare, as well as to travel and work in Canada.
Where you can find it:
Clients usually carry this card with them.
Passport
Long description:
A passport is an official document that confirms the identity and nationality of its holder, including name, photo, and date of birth. It’s essential for international travel and serves as an official form of identification.
Where you can find it:
Clients can apply for a passport at Service Canada. The process can be time-consuming.
Health Card
Long description:
A health card is issued by a government or private insurer and is required to access health services. It typically contains information about health coverage and is used for medical visits, prescriptions, and billing.
Where you can find it:
Most clients carry this card if they have one.
Drivers License
Long description:
Empty
Where you can find it:
Most clients usually carry this with them if they have one.
