# What documentation do lenders require for separation mortgages?

> Required documentation: executed separation agreement or court order, property appraisal (current market value), existing mortgage statement, proof of support payment history (if using as income), evidence of independent legal advice, and standard income/employment verification.

Category: Legal
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/legal/what-documentation-do-lenders-require-for-separation-mortgages

## Answer
Required documentation: executed separation agreement or court order, property appraisal (current market value), existing mortgage statement, proof of support payment history (if using as income), evidence of independent legal advice, and standard income/employment verification. Lenders may also require confirmation that both parties' legal counsel have reviewed the buyout terms.

## Related guide
- https://ratellow.com/guides/divorce-separation-mortgage

## Sources
- CMHC Spousal Buyout — 95% LTV Exception — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf
- B-20 Refinancing Standards — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.4.3