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Agreement of Purchase and Sale
Agreement of Purchase and Sale
Description: A Purchase Agreement is a legal document that outlines the terms and conditions of a sale between two parties. It usually includes details such as the purchase price, payment terms, delivery arrangements, and any warranties or guarantees. This agreement ensures both parties understand their rights and obligations, helping to prevent potential disputes. While commonly used in business-to-business transactions, it can also apply to consumer transactions.
How to obtain this: Clients can request this from their realtor.
Agreement of Purchase and Sale.pdfDescription: An amendment – a change to one or more terms in an agreement – is a tool commonly used in real estate. A latecomer to the transaction, an amendment is proposed after an offer has been accepted and a valid and enforceable agreement of purchase and sale (APS) is already in place. When an amendment is presented, a party to the agreement seeks a change to the original deal -- technically, it is an offer to amend.
How to obtain this: To amend an APS, consult all involved parties to agree on the changes, then draft an amendment document clearly outlining the modifications. Ensure all parties sign the document, and submit it to relevant stakeholders, such as lenders or legal authorities, for approval and record-keeping.
Amendment to APS.pdfDescription: Document issued by a builder or developer to acknowledge receipt of a deposit paid by a buyer when purchasing a new home or condo. This deposit is typically required to secure the property and is held in trust by a lawyer or a licensed real estate broker to comply with local regulations, ensuring the funds are protected until closing.
How to obtain this: Provide the required deposit to the builder or developer, who will issue the receipt as proof of payment.
Builder Deposit Receipt.pdfCondo Board Letter
Condo Board Letter
Description: This letter proves the amount of your condo fees on your current condo.
Tip: Make sure the letter contains how much you pay in monthly fees, as well as contact information for your condo board.
How to obtain this: Ask your condo board for this letter.
Condo Board Letter.pdfCondo Documents
Condo Documents
Description: This document provides a health overview of the condominium corporation.
Tip: Sometimes referred to as a STRATA / STATUS certificate.
How to obtain this: Contact your condo board and order a Status Certificate.
Condo Board Letter.pdfFinal Builder Statement of Adjustment
Final Builder Statement of Adjustment
Description: This document describes your final purchase price, including any upgrades that have been selected.
Tip: Your realtor or builder will be able to provide a copy of this to you or us.
Final Builder Statement.pdfFloor Plan
Floor Plan
Description: Scaled diagram that outlines the layout of a property, showing the arrangement of rooms, walls, doors, windows, and other architectural features from a top-down view. It helps buyers and renters visualize the space and flow of the property before purchase or rental.
How to obtain this: Request it from the builder, developer, real estate agent, or property owner, or by hiring a professional to create one if it's not already available.
Floor Plan.pdfIndependent Contractor Agreement
Independent Contractor Agreement
Description: Legal contract between a company or individual (the client) and a self-employed worker (the contractor) outlining the terms of their professional relationship. It specifies the scope of work, payment terms, responsibilities, confidentiality, and other conditions while clarifying that the contractor is not an employee and operates independently.
How to obtain this: Draft using a template, hiring a lawyer to create a customized agreement, or requesting one from the client or organization engaging your services.
Independent Contractor Agreement Template Signaturel.pdfLot Plan
Lot Plan
Description: Detailed map or diagram showing the layout of a specific parcel of land, including boundaries, dimensions, and any structures or features on the property. It is commonly used in real estate transactions and for development purposes to outline the legal description of the land and how it is subdivided or zoned.
How to obtain this: Request it from the municipality or local land registry office, where it is typically available as part of the property’s legal records, or by contacting a land surveyor who can create an accurate plan for the property.
Lot Plan.pdfMortgage Statement
Mortgage Statement
Description: A mortgage statement is a document provided by your mortgage holder. It contains information such as current mortgage amount, mortgage term, and amortization. Please provide mortgage statements for all properties you own.
Tip: Mortgage providers will send an annual mortgage statement every year. They will also provide a monthly statement, but it might not be by mail.
How to obtain this: If you have online banking, it is likely that you can obtain a recent monthly mortgage statement online from your mortgage provider.
Mortgage Statement Sample.pdfMLS Listing
MLS Listing
Description: A Multiple Listing Service (MLS) Listing is a document used by real estate brokers and agents to list properties for sale. It provides detailed information about the property, such as its location, features, and price. MLS Listings help brokers and agents market properties to potential buyers and other industry professionals. Appraisers and lenders also use MLS Listings to determine the property’s value.
How to obtain this: While MLS Listings can often be searched online, they are typically requested from a realtor.
Copy of Realtor View MLS Listing 2.pdfNotice of Fulfillment
Notice of Fulfillment
Description: Legal document used to confirm that a party has completed all obligations or conditions outlined in a contract, such as a real estate agreement or construction contract. It signifies that the terms of the agreement have been met, allowing the next steps in the transaction, like closing or release of payments, to proceed.
How to obtain this: Prepare once all conditions of the contract are met or by working with a lawyer or real estate professional who can draft and file the notice on your behalf.
Notice of Fulfillment.pdfProperty Tax Bill
Property Tax Bill
Description: Property tax is calculated and billed using the property's assessed value. Your property tax certificate will show what is owed on your property taxes and how much was charged. Please provide certificates/statements for all current properties you are on title/mortgage to.
Tip: This document will outline the assessment details of your property and also how much property tax you need to pay for each respective year.
How to obtain this: This document is sent every year by your municipality.
Property Tax Bill sample 2.pdfStandard Lease Agreement
Standard Lease Agreement
Description: Terms and conditions under which a landlord rents their property to a tenant. In most provinces and territories, there is a government-mandated standard lease or rental agreement template that landlords must use to ensure clarity and fairness.
How to obtain this: Download it from your province or territory's official tenancy authority website.
Standard Lease Agreement.pdfArticles of Incorporation
Articles of Incorporation
Description
Articles of Incorporation establish a business in Canada and are received when registering a company.
Tip
This document was provided to you when you opened your corporation at the government registry.
How to obtain this
You likely have this information on file. If you do not have a copy of it, a government registry can likely retrieve it for you.
Articles of Incorporation.pdfBusiness Bank Statement
Business Bank Statement
Description
Bank statements from each account where your pay is being deposited are required. Sometimes, we also need business bank statements to verify car payments being made from a business account.
Tip
The bank statements should include your name, account number, and show the account is a business account, not personal. They should also include a complete and unaltered transaction history of those accounts that shows all withdrawals and deposits in the last 90 days.
How to obtain this
Log in to your online banking portal and download a PDF of your bank statement for the appropriate time period.
Business Bank Statement 1.pdfBusiness License
Business License
Description
Your business license proves you are eligible to operate your business.
Tip
This is a government issued document.
How to obtain this
You likely have this information on file. If not, this document can be obtained from your local government registry.
Business License Sample.pdfCanada Child Benefit (CCB)/Child Tax Credit
Canada Child Benefit (CCB)/Child Tax Credit
Description
The Canada child benefit (CCB) is administered by the Canada Revenue Agency (CRA). It is a tax-free monthly payment made to eligible families to help with the cost of raising children under 18 years of age. The CCB may include the child disability benefit and any related provincial and territorial programs. Please provide the Canada child benefit (CCB) notice that is provided by the Government after you have filed your taxes.
Tip
Provide all pages, including the cover page, the explanation, and the entitlement schedule.
How to obtain this
You would have had this mailed to you. You can also access this on the Government of Canada MyCRA website.
Canada Child Benefit Sample.pdfConfirmation of Employment
Confirmation of Employment
Description
This is a letter stating your new employment. This is only applicable if you are starting a new position later within the year.
Tip
This document should show the details of your future employment (including how much you will be paid).
How to obtain this
You likely have this document on file. If not, contact your future employer for a copy.
Confirmation of Employment 2.pdfCorporate Financial Statements
Corporate Financial Statements
Description
When your accountant completes the annual tax return for your corporation, they will provide you with a summary called "Corporate Financials". These statements should cover the most recent two years.
Tip
Some accountants will call this the'Notice to Reader'.
How to obtain this
Contact your corporation's accountant.
Corporate Financial Statements.pdfEmployment Contract Offer
Employment Contract Offer
Description
This is the agreement between you and your employer that you signed before you started working for them.
Tip
It will outline your employment details and information about your probation period (if any)
How to obtain this
You likely have this document on file. If not, contact your employer for a copy.
Employment Contract_Offer.pdfIncome Statement Sample
Income Statement Sample
Description: Financial document that summarizes a company's revenues, expenses, and profits or losses over a specific period, typically a quarter or year. It is used to assess the financial performance of a business, showing how income is generated and spent, and is an essential component of financial reporting for businesses.
How to obtain this: Requesting it from the company's accounting department if you are part of the organization, or having a professional accountant create it based on the financial records of the business.
Income-Statement sample.pdfInvoice Sample
Invoice Sample
Description: Document used by businesses or contractors to bill clients for goods or services provided. It typically includes details like the seller's and buyer's information, a description of the goods or services, amounts, taxes, payment terms, and a unique invoice number.
How to obtain this: Create based on the standard format with necessary details like services, amounts, and taxes.
Invoice Sample.pdfJob Letter Sample
Job Letter Sample
Description
This is the agreement between you and your employer that you signed before you started working for them.
Tip
It will outline your employment details and information about your probation period (if any)
How to obtain this
You likely have this document on file. If not, contact your employer for a copy.
Job letter sample.pdfNOA (Notice of Assessments)
NOA (Notice of Assessments)
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.
How to obtain this: Available via CRA’s website or mailed annually. An accountant may also have a copy. Obtainable via SnapNOA with client consent.
NOA (Notice of Assessment).pdfPay Stub(s)
Pay Stub(s)
Description
The pay stub should be your most recent (within the last 30 days), and is provided by your employer for every pay cheque they give you.
Tip
Make sure the pay stub includes year to date figures, current deductions, and year to date deductions.
How to obtain this
If your employer has a web portal, it may contain records of your pay history. Alternatively, you can contact your supervisor or HR department.
Paystub Sample.pdfProof of Income Statement
Proof of Income Statement
Description
The Canada Revenue Agency (CRA) can provide you with a proof of income statement, which is a simple generic version of your tax assessment. This document summarizes your income and deductions for a specific tax year.
Tip
This is used to provide proof of income to a lender.
How to obtain this
You are able to get one online via your CRA 'My Account' link.
Income-Statement sample.pdfT1 Income Tax Return (full)
T1 Income Tax Return (full)
Description
This is a form used to complete your personal tax return (what you or your tax preparer send to the CRA).
Tip
This document has many pages and numerous schedules. All schedules must be included.
How to obtain this
You likely have this information on file. If you have an accountant, they might also have this info. You can also download a version of this from your own Canada Revenue Agency online account.
T1 Income Tax Return full.pdfT2 Corporation Income Tax Return
T2 Corporation Income Tax Return
Description
Description
The T2 Corporation Income Tax Return or T2 is the form used in Canada by corporations to file their income tax return. All corporations other than registered charities must file a T2 return for every taxation year, regardless of whether tax is payable.
Tip
All resident corporations (except tax-exempt Crown corporations, Hutterite colonies and registered charities) have to file a corporation income tax (T2) return every tax year even if there is no tax payable. This includes non-profit organizations. tax-exempt corporations.
How to obtain this
From your accountant or via your corporate CRA online login (go to mycra.gc.ca)
To order a T2 return by phone:
From anywhere in Canada and the United States, call 1-800-959-5525 from Monday to Friday 9 am to 6 pm (local time), Saturday and Sunday closed.
From outside Canada and the United States, 613-940-8497.
T2 Corporation Income Tax Return.pdfT4 Slip(s)
T4 Slip(s)
Description
This tax slip is used by your employer to indicate what you have been paid before deductions.
Tip
You use the information on this slip when you complete your tax return.
How to obtain this
You likely have this document on file. This document is provided to you once per year by your employer. If you do not have this document, contact the applicable employer for a copy.
T4 slip.pdfT4A(OAS)
T4A(OAS)
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.
How to obtain this: 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(OAS), Statement of Old Age Security - Canada.ca.pdfT4A(P)
T4A(P)
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.
How to obtain this: The CRA sends this form by the end of February each year, and it can also be accessed through CRA’s My Account.
T4A(P) Statement of Canada Pension Plan Benefits - Canada.ca.pdfT4A(s)
T4A(s)
Description
This slip is issued when you receive income from pensions, retiring allowance, annuities, commissions or other income.
Tip
Examples of other income include medical premium benefits, payments from the registered disability savings plan (RDSP), the Apprenticeship incentive grant, death benefits, payments from a registered education savings plan (RESP) or a tax-free savings account (TFSA).
How to obtain this
Slips are prepared by your employer, payer, or administrator
T4A(s).pdfT4E
T4E
Description
This is a tax information slip issued by Service Canada to tell you and the Canada Revenue Agency (CRA) the gross amount of Employment Insurance benefits paid to you for the previous tax year, the income tax deducted and any amount paid toward an overpayment.
Tip
Through My Service Canada Account, you can view and print your T4E as early as February 1st. You will need to login to or register for My Service Canada Account to access your T4E online. Another option is to receive your T4E through the mail
How to obtain this
Through our partnership with snapNOA, we are able to receive your statement directly from Canada Revenue Agency.
T4E 24E.pdfT4RIF
T4RIF
T4 Slips (T4, T4A, T4RSP, T4A(P), T4A(CPP), T4A(OAS), T4E, T4RIF)
T4 Slips (T4, T4A, T4RSP, T4A(P), T4A(CPP), T4A(OAS), T4E, T4RIF)
Description
Depending on the source(s) of your income your mortgage professional may need to have access to one or more of your T4 income slips that you have available.
Tip
Your mortgage professional will use these to confirm your income with your lender.
How to obtain this
Through our partnership with snapNOA, we are able to receive your statement directly from Canada Revenue Agency.
1. Please check your email and sign the consent form.
2. Your Mortgage professional will receive and upload the documents on your behalf.
T4RIF.pdfT4RSP
T4RSP
T4 Slips (T4, T4A, T4RSP, T4A(P), T4A(CPP), T4A(OAS), T4E, T4RIF)
T4 Slips (T4, T4A, T4RSP, T4A(P), T4A(CPP), T4A(OAS), T4E, T4RIF)
Description
Depending on the source(s) of your income your mortgage professional may need to have access to one or more of your T4 income slips that you have available.
Tip
Your mortgage professional will use these to confirm your income with your lender.
How to obtain this
Through our partnership with snapNOA, we are able to receive your statement directly from Canada Revenue Agency.
1. Please check your email and sign the consent form.
2. Your Mortgage professional will receive and upload the documents on your behalf.
T4RSP.pdfT5 Statement of Investment Income
T5 Statement of Investment Income
Description
Statement of investment income slip can include interest, dividends, and certain foreign income. A T5 slip must be prepared by a bank or a financial institution and issued to you (the taxpayer) and to the Canada Revenue Agency (CRA). You use it to report any investment income you have on your tax return. You will not receive a T5 slip for interest earned less than $50.00, but it must be reported on your tax return.
Tip
This will be used for qualification for mortgage financing.
How to obtain this
Through our partnership with snapNOA, we are able to receive your statement directly from Canada Revenue Agency.
1. Please check your email and sign the consent form.
2. Your Mortgage professional will receive and upload the documents on your behalf.
T5 23 sample.pdfT5007 Statement of Benefits
T5007 Statement of Benefits
Description: Tax slip to help recipients prepare their income tax return. It includes the amount of provincial assistance issued to in a tax year.
How to obtain this: Download the fillable PDF at your issuing agency or check your online account with the Canada Revenue Agency (CRA) for access.
T5007 Statement of Benefits.pdfAuto Lease Statement
Auto Lease Statement
Description:
How to obtain this:
Auto Lease Statement Sample.pdf.pdfAuto Loan Statement
Auto Loan Statement
Description:
How to obtain this:
Auto Loan Statement Sample (1).pdf (1).pdfBankruptcy
Bankruptcy
Description: Process that occurs when an individual or business is unable to pay off their debts. It allows for the discharge of certain debts through the sale of assets and provides the debtor with a fresh financial start, subject to specific legal requirements and the approval of a licensed insolvency trustee.
How to obtain this: The process is governed by the Bankruptcy and Insolvency Act (BIA), and individuals or businesses can file for bankruptcy voluntarily or be forced into bankruptcy by creditors.
Bankruptcy Sample.pdfCredit Card Statement
Credit Card Statement
Description
These statements show your credit card balance.
Tip
Please ensure your name and account number shows on the statement.
How to obtain this
You can obtain this from your bank or your online banking portal.
Credit Card Statement Sample.pdfCredit Report Sample
Credit Report Sample
Credit Items
Credit Items
Description
Statements from all credit cards, lines of credit, or other forms of debt that will paid out from the sale of your home or with funds from your new mortgage.
Credit report Sample.pdfHELOC
HELOC
Description: HELOC (Home Equity Line of Credit) is a revolving credit option that allows homeowners to borrow money against the equity in their home. The credit limit is typically based on a percentage of the home’s appraised value minus any outstanding mortgage balance, and the borrower can access the funds as needed, usually at a variable interest rate.
How to obtain this: Apply with a bank or lender, provide necessary financial documentation, and have sufficient equity in your home to qualify for the credit.
HELOC Statement Sample.pdf.pdfLine of Credit Statement(s)
Line of Credit Statement(s)
Description: Flexible loan option that allows individuals or businesses to borrow money up to a predetermined limit, repay it, and borrow again as needed, typically with variable interest rates. It can be used for various purposes such as managing cash flow, funding projects, or consolidating debt.
How to obtain this: Apply through a bank or financial institution, providing necessary documentation such as proof of income, credit history, and financial stability, after which the lender will assess your eligibility and determine your credit limit.
Line of Credit Statements.pdf90 Day Bank Statement(s)
90 Day Bank Statement(s)
Description
Bank statements can be requested for a number of reasons: they verify down payments, help prove your pay by showing paychecks are being deposited into your bank account, show CPP and OAS deposits, show condo fees, and / or confirm supporting deposits.
Tip
Make sure the bank statement(s) show your name, account number and a full / unaltered transaction history. If the down payment is in multiple accounts, or has been transferred from one account to another, bank statements are required for all included accounts.
How to obtain this
Log in to your online banking portal and download a PDF of your bank statement for the appropriate time period.
90 Days Bank Statement.pdfTFSA Statement(s)
TFSA Statement(s)
Description
A Tax-Free Savings Account (TFSA) is a type of investment account that allows Canadians to save money tax-free. Contributions to a TFSA are not deductible for income tax purposes. Still, any income earned in the account (such as investment income and capital gains) is generally not taxed, even when it is withdrawn. TFSA accounts can be used for various purposes, including saving for retirement, a major purchase, or building an emergency fund.
How to obtain this
From the borrower's online banking or paper bank statements from their financial institution.
TFSA Statement Sample.pdf.pdfCertificate of Divorce
Certificate of Divorce
Description
Certified document issued by the courts once the divorce process is finished which proves that you are no longer married.
Tip
This should be fully executed and witnessed by the courts. Then stamped with a Courthouse seal
How to obtain this
Your lawyer should be able to provide this, or, you should have it on file.
Divorce Certificate.pdfSeparation Agreeement
Separation Agreeement
Description
This is the agreement between yourself and your ex-spouse.
Tip
This agreement should be fully executed and witnessed by a notary or lawyer.
How to obtain this
Your lawyer should be able to provide this, or, you should have it on file.
Separation Agreement.pdfSample Primary IDs
Sample Primary IDs
Government-Issued:
Canadian Passport: A globally recognized travel document issued by the Government of Canada.
Driver's License: Issued by a provincial or territorial government, often containing a photo and signature.
Canadian Citizenship Card: A card issued to Canadian citizens, often used for domestic identification.
Permanent Resident Card: Issued to permanent residents of Canada.
Secure Certificate of Indian Status: A government-issued card for Indigenous peoples in Canada.
Other Accepted Forms:
Canadian Military Identification Card: Issued to members of the Canadian Armed Forces.
Government-Issued Identification Card: A general-purpose ID card issued by a provincial or territorial government.
Sample Primary IDs.pdfSample Secondary IDs
Sample Secondary IDs
Canadian Birth Certificate: A legal document proving a person's birth in Canada.
Canadian Citizenship Card (issued before February 1, 2012): An older version of the citizenship card that may still be accepted as secondary ID.
Permanent Resident Card (issued before February 4, 2012): An older version of the PR card that may still be accepted as secondary ID.
Certificate of Indian Status: A government-issued card for Indigenous peoples in Canada.
Provincial/Territorial Health Card: While primarily for healthcare purposes, some health cards may be accepted as secondary ID if they contain necessary information.
Provincial/Territorial Identification Card: A general-purpose ID card issued by a provincial or territorial government.
Canadian Military Identification Card: Issued to members of the Canadian Armed Forces.
Other Accepted Forms:
Bank Card: A credit or debit card with your name and signature.
Credit Card: A credit card with your name and signature.
Employee ID Card: An ID card issued by your employer, often with a photo.
Student ID Card: An ID card issued by your educational institution.
Professional Licensing Card: A card issued by a professional regulatory body.
Union Membership Card: A card issued by a labor union.
Insurance Card: A card issued by an insurance company.
Sample Secondary IDs.pdfVoid Cheque
Void Cheque
Description
The void cheque is a cheque marked VOID, or via your online banking portal, you will be able to provide a pre-authorized debit agreement.
Tip
This void cheque should be for the account from which you want your mortgage payments to be drawn.
How to obtain this
Your online banking portal can provide this for you.
Void Cheque sample.pdfPage updated
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