| Report type | Expert commentary (not a statistical report) |
|---|---|
| Sample size | Not applicable — no statistical findings are claimed |
| Date range | Not applicable |
| Author | Saminder (Sami) Juneja, Mortgage Broker |
| Published | 2026-09-29 |
| Last updated | 2026-09-29 |
Why this is commentary, not statistics: we only publish statistical findings from verified, anonymized Juneja Group files with at least 100 records and a stated date range. That dataset is not yet complete for this topic, so this edition shares professional observations only. Nothing here should be read as representative of the Canadian market.
Media summary
- Documents that don't match each other cause more delays than missing ones.
- Down payment history is a common late condition.
- Preparing documents first speeds up every step after.
Suggested attribution: “Saminder (Sami) Juneja, Mortgage Broker, The Mortgage Documentation Report (2026).”
Methodology
This edition is based on the author's professional experience advising clients. It does not count, sample or measure files. When enough verified data exists, a statistical edition will measure:
- Documents most often missing at first submission
- Conditions most often requested by lenders after approval
- Days added by missing documents
All data would be anonymized: no names, addresses, lender names tied to individuals, or details that could identify a client.
Key observations
- Documents that don't match each other cause more delays than missing ones.
- Down payment history is a common late condition.
- Preparing documents first speeds up every step after.
Professional observations, not measured findings.
Why documents hold files up
Most delays come from documents that are out of date, incomplete, or don't match each other, such as a pay stub that doesn't match the employment letter.
The documents that matter most
Income proof, 90 days of down payment history, a current mortgage statement and property tax bill for refinances, and photo ID.
Self-employed borrowers add Notices of Assessment, T1 Generals and business documents.
How to prepare
Gather everything before you shop for a rate. A complete file gets a faster, cleaner answer.
Limitations
- This is commentary from one mortgage broker's practice, not a survey or a random sample.
- It does not measure how often anything happens and should not be quoted as a percentage or trend.
- Lender policies change. Confirm current rules with a licensed professional.
- Educational content only; not financial, legal or tax advice.
Story angles for journalists
- The documents to gather before applying for a mortgage
- Why lenders ask for 90 days of bank history
- What self-employed borrowers need that salaried borrowers don't
Related resources
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Cite this resource
Preferred title and URL for journalists and organizations:
Saminder (Sami) Juneja. “The Mortgage Documentation Report.” The Juneja Group, updated 2026-09-29. https://thejunejagroup.ca/research/reports/mortgage-documentation-report
Saminder (Sami) Juneja, Mortgage Broker — Mortgage Centre Canada, independently owned and operated by Get A Better Mortgage Inc., FSRA #10874. The Juneja Group is not a licensed mortgage brokerage.