Mortgage Application Checklist

Scotiabank knows that purchasing a home is one of the biggest financial—and life—decisions you'll make. That's why we want to help you stay informed and organized. Below, you'll find helpful checklists of things you'll need on hand to for each step along the way to homeownership. Remember, if you have any questions feel free to speak with one of our expert Personal Banking Officer.

Documents Required for Approval

We will need the following information/documentation from you:

  • Salaried applicants: Income verification letter and last two (2) pay advices
  • Self-employed: Financial Statements (audited or in-house) and bank statements
  • Proof of funds to complete the transaction
  • Proof of age (valid passport/birth certificate) minimum age of 18 years
  • Tax Registration Number (TRN)
  • Copy of Signed Sales Agreement
  • NHT referral letter (where applicable)

Documents Required Upon Acceptance of Offer

  • Original Surveyor's Identification Report not more than twelve (12) months old indicating that there are no encroachments and that no covenants have been breached
  • Adequate Life Insurance coverage
  • Photocopy of Certificate of Title
  • NHT commitment letter (where applicable)
  • Current Property Tax certificate
  • Quantity Surveyor's Report (where applicable)
  • Peril Insurance for full replacement cost of the building
  • Evidence of strata coverage (where applicable)

Tools and Resources