What ID do I need for a Canadian mortgage?

This is a list of all the personal identification you'll need when you're applying for any sort of mortgage transaction in Canada.

And in case you're wondering... yes - we also don't know why these rules are so bizarrely complicated. 💁‍♀️

Any one of the following

  • Canadian driver's license
  • Canadian passport
  • Provincially issued identification card
  • Permanent Resident Card
  • Certificate of Canadian citizenship (with photo)
  • Certificate of First Nation's status (with photo)
  • United States driver's license
  • Foreign passport

Or any two of the following

  • Canadian birth certificate
  • Social Insurance Number card
  • Citizenship/immigration form
  • Certificate of Canadian citizenship (without photo)
  • Certificate of Naturalization
  • Old Age Security card

Or a combination of...

any one of these:

  • Canadian birth certificate
  • Social Insurance Number card
  • Citizenship/immigration form
  • Certificate of Canadian citizenship (without photo)
  • Certificate of Naturalization
  • Old Age Security card

and any one of these:

  • Employee identification card
  • Credit card from a Canadian banking institution
  • Debit card from a Canadian banking institution
  • Canadian university/college student card (with photo)

Who will need to see my ID?

  • Your mortgage broker
  • Your mortgage lender (your broker will forward your ID to them)
  • Your real estate lawyer (when it's time to do the actual mortgage transaction)

So now that you've done all the hard work of collecting all the identification you need for your fancy new mortgage, why not get one? 😉

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Alex Wilkinson the CEO of Houski