If you're a mortgage broker in Canada, you've dealt with it — chasing applicants for their Notice of Assessment, wondering if that document is legitimate, or spending hours trying to confirm income figures. Income verification is one of the most time-consuming and fraud-prone steps in the mortgage process.
Fraudulent tax documents cost the Canadian mortgage industry millions every year. Altered Notices of Assessment and inflated income figures slip through the cracks because brokers have no reliable way to verify what's real and what's been doctored.
Until now.
What is VerifyCRA?
VerifyCRA is a secure, automated platform that retrieves verified CRA (Canada Revenue Agency) documents directly from the source — eliminating the possibility of fraud entirely.
Instead of relying on documents provided by applicants (which can be altered), VerifyCRA retrieves a comprehensive package of CRA documents on the broker's behalf, with the applicant's signed authorization. Once access is granted, brokers receive two years of:
- Notices of Assessment
- Proof of Income Statements
- All Available Tax Slips
- Statement of Account
- Canada Child Benefit Information
Every document is guaranteed authentic — pulled directly from CRA records, untouched and unaltered. And importantly, all documents include the applicant's name on them, which is something applicants cannot obtain when sourcing documents on their own. No guesswork. No risk.
What is Line 15000 and Why Does It Matter?
Line 15000 on the Canadian Notice of Assessment represents an individual's Total Income. This is the single most important figure mortgage brokers need when assessing an applicant's ability to service a mortgage.
Line 15000 captures all sources of income — employment, self-employment, investments, rental income, pensions, benefits, and more.
Brokers provide VerifyCRA with Line 15000 from their applicant's most recent Notice of Assessment. If the number matches what the CRA has on file, VerifyCRA can generate an Authorization form and proceed with retrieving the verified documents. This gives brokers and lenders absolute confidence in the income figures they're underwriting against.
How VerifyCRA Works
The process is simple and designed to fit seamlessly into your existing workflow:
📝 Step 1: Broker Submits a Verification Request
Log into VerifyCRA and enter your applicant's information — first name, last name, phone, email, SIN, and Line 15000 from their most recent Notice of Assessment.
📩 Step 2: Authorization Form Prepared and Sent
VerifyCRA generates an official CRA authorization form using the information provided and sends it to the applicant for electronic signature. The broker doesn't need to handle any paperwork.
✍️ Step 3: Applicant E-Signs
The applicant receives the authorization form and signs it electronically. This authorizes Fastkey as a view-only representative to access their CRA information. Brokers can track the signing status in real time from their dashboard.
✅ Step 4: Verified Documents Delivered
Once the process is complete, VerifyCRA delivers the verified CRA documents directly to the broker's dashboard, ready to download and include in the mortgage application package. Every document is guaranteed to be an authentic CRA record — untouched and unaltered.
Why Brokers Choose VerifyCRA & Fastkey
Guaranteed Authenticity
Documents and income data come directly from the CRA. There is zero opportunity for applicant tampering. What you see is exactly what the CRA has on file.
Fraud Elimination
VerifyCRA doesn't just reduce fraud — it eliminates it. When income data is sourced directly from the CRA, fabricated documents become impossible to pass off as real.
Time Savings
No more chasing applicants for documents. No more wondering if a Notice of Assessment is legitimate. Submit a request, get verified results.
Compliance and Audit Trail
Every verification request is logged with a complete audit trail — who requested it, when it was requested, when the authorization was signed, and when documents were delivered. This protects you during audits and regulatory reviews.
Lender Confidence
Submit mortgage applications with CRA-verified income documentation. Lenders know the numbers are real, which can speed up approvals and reduce conditions.
Built for the Modern Mortgage Workflow
- Dashboard Management — Track all your verification requests in one place. See status updates in real time — from pending authorization to documents ready for download.
- Email and SMS Notifications — Get notified the moment your documents are ready, when authorization forms are signed, and if any action is needed.
- API Access — For brokerages and mortgage platforms that want to integrate income verification directly into their own systems, VerifyCRA offers a full API with OAuth authentication, webhook notifications, and sandbox testing.
Security You Can Trust
- AES-256-GCM Encryption — Sensitive data like Social Insurance Numbers are encrypted at rest.
- TLS 1.2+ Encryption — All data in transit is encrypted. No exceptions.
- Comprehensive Audit Logging — Every access, download, and action is logged and retained for regulatory compliance.
Who is VerifyCRA For?
- Independent Mortgage Brokers who want to streamline their verification process and eliminate fraud risk.
- Mortgage Brokerages looking for a scalable solution to verify income across their entire team.
- Mortgage Technology Platforms that want to embed CRA verification directly into their software via our API.
- Lenders and Insurers who want to mandate verified income documentation as part of their underwriting requirements.
Get Started Today
VerifyCRA is available now for Canadian mortgage professionals. Getting started takes just a few minutes — create your account, submit your first verification request, and experience what guaranteed income verification feels like.
Visit https://verifycra.ca to create your account.
Questions? Reach out to our team at support@verifycra.ca.
Fastkey Technology Ltd. builds secure financial technology solutions for the Canadian mortgage industry. VerifyCRA is our flagship product, designed to bring trust and efficiency to income verification.