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Documents to bring to your meeting with an advisor

Buying a home:

Proof of income (pay stub, etc)
Investment statements
Federal Notice of Assessment
Offer to purchase
Proof of downpayment
Financial analysis (for income property)
Photos of the building
Cost evaluation of materials, and names of contractors
Statement of income and expenses, as well as current leases for all units not occupied by the owner
Municipal and school tax bills
Copy of the Promise to Purchase, which has been duly accepted
Copy of the preliminary contract, if the purchase is through a builder or developer
Copy of the listing, if the purchase is through a real estate agent

Make an appointment with an advisor
Make an appointment with an advisor at a caisse.

Building a home:

Proof of income (pay stub, etc)
Investment statements
Federal Notice of Assessment
Plans and quotations
Copy of building permit
A bid from a recognized entrepreneur, including sub-contractors
Copy of the preliminary contract, if the purchase is through a builder or developer

Make an appointment with an advisor
Make an appointment with an advisor at a caisse.

Already a homeowner:

Proof of income (pay stub, etc)
Investment statements
Federal Notice of Assessment
Photos of the building
Plans and quotations (if renovating)
Copy of building permit (if renovating)
A bid from a recognized entrepreneur, including sub-contractors (if renovating)
Cost evaluation of materials, and names of contractors (if renovating)
Statement of income and expenses, as well as current leases for all units not occupied by the owner
Municipal and school tax bills

Make an appointment with an advisor
Make an appointment with an advisor at a caisse.

Interest rates

Mortgage loan
As of December 1, 2008
Term
Rate
"5-in-1" Yearly Fixed-Rate Resetter Mortgage Loan
5.30%
5 years (Closed fixed)
6.95%
Reduced variable rate
5.00%
Other rates – Mortgage loan

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