Services

Mortgage Services

Mortgage Pre-Approval

Getting Pre-Approved for a mortgage is the best first step you can make when buying a home. Knowing what you can afford can make the home buying process less stressful.

Home Purchase

Understanding all the mortgage options available to you can seem overwhelming. We help make sense of the numbers and provide you with options.

Mortgage Refinancing

Refinance up to 80% of your home’s value quickly and easily to help consolidate debt, access your home’s equity or lower your interest rates.

First-Time Home Buyer

Thinking about buying your first property? Each mortgage application is different and I will help you figure out the numbers so you can stay focused on shopping for properties within your approved price range. You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked in rate – all at no cost to you.

Self-Employed

Low rates and excellent options for self-employed individuals looking to get mortgage financing.

Mortgage Renewal

It’s most likely that your current lender will offer you a rate that is not the best one on the market. We’ll provide you the best rate and options for your unique situation.

Second Mortgage

Refinance up to 80% of your home’s value quickly and easily to help consolidate debt, access your home’s equity or lower your interest rates.

Debt Consolidation

Get debt-free sooner and immediately increase monthly cash-flow by consolidating all your debts into one lower interest rate!

Below is a list of required documents for your convenience. These documents are
required as part of your Mortgage Application. Lenders may request additional
information.

Mortgage Type

Purchase
  • Income & Down Payment documents
  • Agreement of Purchase & Sale, signed by all parties, with all Schedules & Appendices
  • MLS Listing
  • Deposit cheque(s) or receipt from the Agent
  • Most recent Mortgage/Secured LOC Statements for all other properties currently owned (if applicable)
  • Current Property Tax Bill(s) for all other properties currently owned (if applicable)
  • Current Lease Agreement(s) for all other properties currently owned (if applicable)
Refinance
  • Income documents
  • Most recent Mortgage/Secured LOC Statements for property being refinanced
  • Current Property Tax Bill for property being refinanced
  • Most recent Mortgage/Secured LOC Statements for all other properties currently owned (if applicable)
  • Current Property Tax Bill(s) for all other properties currently owned (if applicable)
  • Current Lease Agreement(s) for all other properties currently owned (if applicable)
Renewal
  • Income documents
  • Renewal Letter from current lender
  • Most recent Mortgage/Secured Line of Credit Statements for property being renewed
  • Current Property Tax Bill for property being renewed
  • Most recent Mortgage/Secured LOC Statements for all other properties currently owned (if applicable)
  • Current Property Tax Bill(s) for all other properties currently owned (if applicable)
  • Current Lease Agreement(s) for all other properties currently owned (if applicable)

Document Type

Income Confirmation

Salaried Income:

  • A signed letter of employment on Corporate letterhead; dated within the last 30 days, including your start date, title/position, and all salary components (e.g. bonus, car allowance, etc.)
  • A copy of your most recent pay stub dated within 30 days
  • If you receive a bonus or overtime income, please also provide your Notice of Assessments and T4’s for the last two years

Contract or Hourly Income:

  • A current Contract/Wage Agreement, including hourly wage and number of guaranteed working hours/week, as well as a recent pay stub. If part-time, a two year history of T4’s is required

Commission Income:

  • A signed letter of employment on Corporate letterhead; dated within the last 30 days, including your start date, title/position, and all salary components (e.g. bonus, car allowance, etc.)
  • A copy of your most recent pay stub dated within 30 days
  • A copy of your Notice of Assessments (NOA) and T1 General (complete version) for the last two years

Self-Employed or Professional Income:

  • A copy of your Notice of Assessments (NOA) and T1 Generals (complete version) for the last two years
  • A copy of your Articles of Incorporation or Business License
  • If Incorporated, a copy of your Financial Statements for the last two years
  • 6 – 12 months Business Banking statements

Other Income: (e.g. Support, OAS, Pension, Disability, Investments, Child Tax Benefit, etc.):

  • Corporate, Government or Judicial Documents detailing the source and amount being received
  • Three most recent months personal bank statements showing deposited funds
Down Payment & Closing Costs
  • Deposit with Offer
  • Equity Take-Out from Property
  • Gifted Funds
  • Inheritance
  • Retained Earnings in a Corporation
  • Savings / RSP’s / Stocks / Bonds / GIC’s
  • Sale of Property
  • Secured Credit
  • Unsecured Credit
Other
  • Government issued photo ID
  • Void cheque

Why Us?

Our Services are FREE*

*for Standard Residential Mortgages

Save Time & Money
More Options & Competitive Rates
Quick, Easy & Stree-Free

We work for you by providing you with independent and unbiased advice to help you make the best choice possible while making the process simple and stress-free. If you go direct to your bank, you will only be offered products from that financial institution. We have relationships with several different lenders and are knowledgeable across each lender’s range of products. We work with you to find the best product to suit your needs and home ownership goals.

“Deep assisted me with getting my mortgage renewal which was very challenging. Each obstacle he found a way around it. He remained patient and professional through the entire process. Would definitely recommend Deep for all your mortgage needs.”

Get In Touch

Let Us Help You

We help clients identify their financial and home ownership goals and then create a plan to achieve them.

Mortgage Broker

Deep Sachdev, CPA, CGA
Licence #M13001205
P: 647-889-5560
E: deep@mymortgageconcierge.ca

Mortgage Brokerage

Mortgage Scout Inc.
Licence #13060
1796 Bloor St W
Toronto, ON M6P 3K5

For tailored solutions to meet your personal needs, get in touch with us today. Lets take that next step together!

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