What documents do you need to sell a home?

Selling a home involves a range of documents, some of which you'll need from the start of the process and others that come into play at closing. Getting organized early makes the transaction smoother.

Documents to Gather Before Listing

Proof of ownership Your land title or property deed confirms you are the legal owner of the property. Your real estate lawyer will need this.

Mortgage information If you have an outstanding mortgage, you'll need your mortgage statement showing the current balance, your lender's contact details, and information about any prepayment penalties that may apply when the mortgage is paid out on sale.

Property tax records Recent property tax statements confirm the current assessed value and any outstanding amounts. These are reviewed at closing and any prepaid taxes are adjusted between buyer and seller.

Strata or condo documents If you're selling a strata or condominium property, buyers will typically request strata documents including meeting minutes, financial statements, depreciation reports, and the rules and bylaws. Compile these early as they are commonly requested as a condition of sale.

Documents Involved in the Sale

Listing agreement A contract between you and your real estate agent (if using one) setting out the terms of the listing including the listing price, commission, and duration.

Agreement of purchase and sale The legal offer document that, once accepted by both parties, forms the binding contract for the sale.

Disclosure documents Most provinces require sellers to disclose known material defects that could affect the value or safety of the property. Your agent or lawyer will advise you on what must be disclosed in your province.

Documents Handled by Your Lawyer at Closing

• Transfer of title
• Mortgage discharge documents
• Statement of adjustments (showing the financial reconciliation between buyer and seller)
• Any undertakings related to repairs or credits agreed during the sale