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The Mortgage Beast

Mortgage Checklists

Two essential checklists to keep you organized — track your progress online, then download or print when you're ready.

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Morty says

Getting a mortgage is a paper-heavy process, but being organized gives you negotiating power. Use these checklists to make sure you're asking the right questions and have every document ready. Click Learn more on any item for Morty's comprehensive breakdown. Your progress saves automatically.

Mortgage Shopper Checklist

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Rate & Term

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Prepayment Privileges

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Penalty & Breakage Costs

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Portability & Flexibility

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Registration & Fine Print

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Don't skip the penalty question! A “great rate” means nothing if you break the mortgage early and pay a $15,000+ IRD penalty. Always ask for a dollar estimate of the penalty at year 2 and year 3.

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Collateral vs. standard charge: If a lender uses a collateral charge (RBC, TD, Scotia), you'll need a lawyer to discharge and re-register if you switch at renewal. That's $800–$1,200 in fees. Standard-charge mortgages transfer for free.

Disclaimer: These checklists are for general guidance only and may not cover every lender's specific requirements. Always confirm exact document requirements with your mortgage broker or lender.