Document collection for newcomers to Canada
New to Canada Mortgage Document Checklist for Brokers
Newcomer programs are generous but document-heavy, and your clients are often juggling a new job, a new country and a new language. A clear checklist with plain-English explanations removes the guesswork.
10 items, 7 required. Based on the live template brokers use in Startly.
Why these files stall
What goes wrong with newcomers to Canada.
Foreign bank statements and credit reports arrive in a dozen formats.
Immigration documents are photographed badly and rejected by the lender.
Clients aren't sure what counts as proof of Canadian employment.
The checklist
New to Canada document checklist
Immigration status, foreign credit history and Canadian employment proof.
Every item ships with a plain-English description in the client portal, so your client knows exactly what to photograph.
- 1
Government-issued photo ID
RequiredDriver's licence or passport, front and back.
- 2
Credit check consent
RequiredSigned consent form from your broker. Do not upload your SIN card.
- 3
90 days of bank statements
RequiredAll pages, all accounts used for the down payment.
- 4
Proof of down payment
RequiredStatements showing funds, or a gift letter if applicable.
- 5
Purchase agreement & MLS listing
OptionalFully signed, with all schedules.
- 6
Permanent resident card or work permit
Required - 7
Canadian employment letter
Required - 8
Two most recent pay stubs
Required - 9
International credit report
OptionalFrom your home country's bureau, if available.
- 10
12 months of foreign bank statements
Optional
How Startly collects this for you
Send once. Startly does the follow-up.
- 01
Pick the template, send the link
Choose the "New to Canada" checklist, add or remove items for this file, and send it to your client by text or email.
- 02
Your client verifies and uploads from their phone
They confirm the last 4 digits of their phone number, see every item with a plain-English description, and photograph or upload each one. No account needed.
- 03
Reminders run until the file is complete
Startly nudges your client on your schedule, stops when the last item lands, and hands you one organized package ready to submit.
Curious how the rest works? See the full product tour or compare plans.
FAQ
Common questions.
What documents do newcomers need for a mortgage in Canada?
A permanent resident card or valid work permit, a Canadian employment letter and pay stubs, 90 days of Canadian bank statements, proof of down payment, and where available an international credit report and 12 months of foreign bank statements.
Early access
Collect newcomers to Canada' documents without the chase.
Join the waitlist and get 3 months free when early access opens.
More checklists