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Acceptable Documents

  • Acceptable Sources of Income

    Type Acceptable Documents
    💼 Employment Income
    Full-Time / Part-Time

    • Letter of employment with most recent paystub OR most recent two paystubs
    Maternity Leave
    • Letter from employer confirming return date and income OR
    • Employment Insurance (EI) statement + 1 old paystub
    🟧 Self-Employed Income
    Self-Employed (FT/PT)
    • 6 months of bank statements AND
    • Articles of Incorporation (if you have them)
    Self-Employed (Seasonal)
    • 6–12 months of bank statements
    Commission OR Self-Employed (Interest or Dividend)
    • 6 months of bank statements OR
    • Updated commission summary
    Interest / Dividend Income
    • 6 months of bank statements OR
    • Statement from investment company
    🏛️ Government / Support Income
    Disability
    • Recent bank statement confirming disability income
    Child Tax Benefit (CCB)
    • Recent bank statement OR
    • CRA Canada Child Benefit (CCB) statement
    Investment Income from RIF/RRSP OR Other Investment Income
    • 3 months of recent investment statements OR
    • Quarterly statement
    Retirement / Pension
    • T4A OR
    • Pension statement OR
    • Bank statement with deposits
    🏠 Rental Income
    Rental Property
    • Lease agreement OR
    • 3 months of bank statements showing rent deposits OR
    • Market rent report (for vacant units) OR
    • Signed tenant acknowledgement
    💜 Support / Alimony Income
    Alimony / Support
    • 3 months of bank statements showing payments AND
    • Divorce or separation agreement

    📁 File Submission Checklist & Reminders

    Use this guide to make sure your file is complete and ready for processing to avoid delays!

    🧾 Income Verification

    • If income documents are not available, contact your Fulfillment Officer or Business Relationship Manager to explore alternative ways to confirm income.

     

    📤 Submitting Documents

    • If using FLINKS (optional), clients can securely upload income documents via the link provided in the Mortgage Commitment.
    • For IDs, provide clear images of both the front and back of valid government-issued ID.
    • If submitting an appraisal, it must be prepared in English.
    • If any documents are password-protected, either:
      • Remove the password before sending to the underwriter/fulfillment officer OR
      • Provide the password separately so we can access them.

    🏡 Property Insurance

    • Once the file is instructed, property insurance will be required as part of the lawyer’s closing conditions.


    Please ensure the insurance policy:

    • Lists CMI Mortgage Services Inc. in Trust as a loss payee
    • Includes the occupancy type (e.g. owner-occupied or rental)
    • States the mortgage position (e.g. first or second)
    • With guaranteed replacement cost on the dwelling
    • All broker conditions must be satisfied and approved a minimum of five (5) business days prior to the closing date.

     

    All broker conditions must be satisfied and approved a minimum of five (5) business days prior to the closing date. Should broker conditions not be satisfied a minimum of five (5) business days prior to the closing date, CMI reserves the right to change the closing date to a later date or withdraw the commitment in its entirety.

Acceptable Forms of Identification – Primary

  • Primary Identification


    Type of Card or Document Issuing Jurisdiction / Country
    Canadian passport Canada
    Permanent resident card Canada
    Citizenship card Canada
    Secure Certificate of Indian Status Canada
    Nexus Canada


  • Driver’s Licenses

    Accepted Driver’s Licenses Across Canada

    Issuing Jurisdiction Driver’s License
    British Columbia British Columbia Driver’s License
    Alberta Alberta Operator’s License
    Saskatchewan Saskatchewan Driver’s License
    Manitoba Manitoba Driver’s License
    Ontario Ontario Driver’s License
    Quebec Quebec Driver’s License
    New Brunswick New Brunswick Driver’s License
    Nova Scotia Nova Scotia Driver’s License
    Prince Edward Island Prince Edward Island Driver’s License
    Newfoundland and Labrador Newfoundland and Labrador Driver’s License
    Yukon Yukon Driver’s License
    Northwest Territories Northwest Territories Driver’s License
    Nunavut Nunavut Driver’s License
    The Department of National Defense, Canada DND 404 Driver’s License (Department of National Defence)

    📌 Notes:

    • All licenses must be valid and government-issued.

    • The DND 404 is issued specifically to members of the Canadian Armed Forces.

  • Provincial ID Cards

    Accepted Provincial Photo ID Cards (Non-Driver)

    These are valid government-issued photo IDs from each province or territory:

    Issuing Jurisdiction Provincial or Territorial Identity Cards
    British Columbia BC Enhanced ID
    Alberta Alberta Photo ID Card
    Saskatchewan Saskatchewan Non-Driver Photo ID
    Manitoba Manitoba Enhanced ID Card
    Ontario Ontario Photo Card
    New Brunswick New Brunswick Photo ID Card
    Nova Scotia Nova Scotia Identification Card
    Prince Edward Island PEI Voluntary ID
    Newfoundland & Labrador Newfoundland and Labrador Photo ID Card
    Yukon Yukon General ID Card
    Northwest Territories NWT General ID Card
    Nunavut Nunavut General ID Card

    📌 Notes:

    • All government-issued IDs must be valid (not expired), show a clear photo, and include clear images of both the front and back.
  • BC Services Card

     

    Provincial or Territorial Identity Cards Issuing Jurisdiction
    British Columbia Services Card British Columbia, Canada
  • Notes

     

    Notes
    1  In Quebec, driver’s license may not be requested, but can be used if offered.
    2  In Manitoba, Ontario and Prince Edward Island, provincial health card may not be used for identification purposes; in Quebec, provincial health card may not be requested but can be used if offered.
    3  Government of Canada or Provincial or Municipal Government ID cards are not acceptable as forms of identification for this purpose. These pieces of identification are considered employer ID’s, and not government issued ID’s.
    4  Expired ID will be accepted IF expiration occurred less than 90 days prior to the date of verification and it is accompanied by a government issued confirmation of renewal (such as a temporary driver’s license).

Acceptable Forms of Identification – Secondary

  • Type of Card or Document
    Type of Card or Document Example
    Government document that shows name and address that matches primary CRA Notice of Assessment, Child Tax Benefit Notice, OAS or CPP Statement
    Bank statement showing an active deposit account with a federally regulated financial institution with name and address that matches primary identification
    Credit card OR statement showing an open account with financial entity with name that matches primary identification (no prepaid, secured or store cards)
    Loan statement showing an active loan with a federally regulated financial institution with name and address that matches primary identification
    Utility bill (water, gas or hydro) with name and address that matches primary identification
    Birth certificate
    Firearms license

Down Payment Proof – Purchase

  • ✅ Approved – No Further Documentation Required
    Type Acceptable Documents
    💵 90-Day Seeded Funds
    • Accepted as is; no additional documentation needed.
  • ❌ Deposits Over $10,000 – Additional Documentation Required

    To ensure timely processing, please review the following documentation requirements for down payment verification on purchase transactions.

    If a deposit exceeds $10,000, further explanation and supporting documents are required.

    Source of Funds Required Documentation
    🎁 Gifted Funds
    Gifted Funds
    • Gift letter in prescribed form + proof of transfer from sender (where available)
    • If proceeds from family member’s refinance — signed commitment required
    💹 Sale of Investments
    Investments
    • Transaction record and remittance proof from investment brokerage matching the deposit to Borrower bank account
    🏡 Sale of Property
    Property Sale
    • Firm Agreement of Purchase and Sale (conditions waived) prior to placement
    • Solicitor trust ledger from sale of property showing funds equal to, or more than, the down payment prior to release of funds.
    🏢 Business Withdrawal
    Business Funds
    • Proof of business ownership
    • Proof of transfer showing business name matching the deposit to Borrower bank account
    🌍 Sale of Foreign Assets
    Foreign Assets
    • Proof of source of funds
    • Proof of transfer showing Borrower’s name matching the deposit to Borrower bank account
    • All foreign funds require a wire document outlining the transaction details
    💰 Borrowing Against Liquid Assets
    Secured Borrowing
    • Statement for account being used to confirm balance and payment details
    ⚖️ Inheritance
    Inheritance
    • Letter from the solicitor (or executor as outlined in the Will) OR
    • Copy of the Will confirming the inheritance
    💻 Cryptocurrency
    Crypto Assets
    • 90-day transaction history from regulated investment firm (e.g., Wealthsimple)
    • Funds must be transferred to a Canadian Financial Institution
    🏗️ New Construction Purchases
    New Construction
    • Statement of Adjustments confirming deposits made and received
    🏢 New Condo Purchases
    New Condo Purchases
    • Must be Arms-Length transaction: An assignment agreement is required outlining the particulars of the deposits signed by all parties.
    🏠 Gifted Equity
    Gifted Equity
    • Must be non-arms length transaction: A gift letter is required, along with all mortgage statements.

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In addition, as our preferred partner, a Brokerage Relationship Manager is always available to help, whether you have a general question or want to discuss possible solutions for a specific client situation.

 

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