Ask your board for a current letter confirming your position, employment status, annual salary, start date and a verification contact. Include probation or assignment dates where relevant. Category and step can help explain salary, but the lender sets the exact document requirements.
Ask for the lender checklist first
A complete employment letter can reduce follow-up requests. Before asking HR for a new letter, confirm the lender requirements so the board can provide the details you actually need.
Details to request
- Your full name, position and employment status
- Annual base salary and workload or full-time equivalent
- Start date and any probationary period
- A board contact who can verify the information
- The date of issue and any signature or authentication the lender requires
- Category and step if needed to explain salary or an increase
Add details for your situation
- LTO: assignment start and end dates, workload and pay; include any signed future assignment.
- Daily occasional: roster status, daily rate and recent work history, alongside earnings records.
- Parental leave: return date, position and return-to-work salary, plus leave income if requested.
- Recent raise: written confirmation of the amount and effective date.
Check before you submit
Make sure the status and salary match your contract and pay records. A daily or part-time assignment should not be presented as a full-time annual salary. If the lender needs a newer letter or a clarification, ask HR to correct it rather than changing the document yourself.
Sources and dates
Sources below support the relevant figures and rules. Source dates and historical salary years are shown where available. A planned review date does not guarantee that a figure stays current; check the source and your own eligibility before acting.
First published . Updated . Source dates are listed above.
Common questions
Who do I ask for the letter?+
Your board HR or payroll team. Ask for an employment letter for a mortgage application and provide the lender checklist.
How recent does the letter have to be?+
The lender sets its own requirement. Confirm the acceptable date before requesting it, and be prepared to provide an updated letter before closing.
Is a pay stub enough on its own?+
Requirements vary. A pay stub shows recent earnings; an employment letter explains the position and salary. Variable income commonly requires additional tax records.
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Emily & Jeff Mudrick
Mortgage agents, Mudrick Mortgages
Serving teachers across Ontario.
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