Educational guide
Common Mortgage Documentation Issues
Educational overview of document problems that delay Canadian mortgage approvals and how to avoid them.
By Saminder (Sami) Juneja, Mortgage Broker · Published · Updated
Methodology note: this page is an educational guide. It contains no statistics. If we publish findings from anonymized company data, the sample size, date range and method will be stated here.
Frequent issues
Based on general underwriting practice, not a measured dataset:
- Bank statements missing pages or account holder name
- Unexplained large deposits
- NOAs that don't match the T1 submitted
- Expired ID
- Gift letters without proof of funds transfer
Cite this resource
Preferred title and URL for journalists and organizations:
Saminder (Sami) Juneja. “Common Mortgage Documentation Issues.” The Juneja Group, updated 2026-09-29. https://thejunejagroup.ca/research/common-mortgage-documentation-issues
Educational information only — not financial, legal or tax advice, and not an offer or approval. Rates and lender policies change; all financing is subject to lender approval.