My spouse (the applicant) attended an interview in her home country. Before this interview she has been in canada for quite a few years and we have been living together for roughly 2 years. We have provided proof of cohabitation (joint bank account statement with our address), Ontario Drivers license with same address, etc.
One of the question raised during the interview was why my spouse isnt pregnant yet. My spouse was very honest and advise that we purchased 2 houses this year. (1 of which we live in as a matrimonial home, the other 1 being a investment property) The interviewer counter-questioned her and asked for proof of ownership of two homes and asked for us to provide this within 2-4 weeks and threatened her that the application could be rejected if we dont. I find it outrageous that they demand for "proof of ownership" but I feel that we have already satisfied the criteria for proof of COHABITATION but the interviewer went a step further to demand more. We have many many pictures together and proof of the address.
I, myself is very engaged with canadian real estate (every year ive made transactions, either buying or selling). As a young investor we have not made plans together to settle down in one house and always plan to move around for financial gain whenever there is an opportunity in the market. This is the nature of the real estate market now in Canada. Our first home we lived in, I purchased with only my name on it and at that time I was not married with her but she lived in it the entire duration. We sold this home this year (it obviously only had my name) and we purchased a larger property (which we live in together this year). Due to mortgage complications and my stronger financial profile, the mortgage only has my name on it for the larger property. The real estate lawyer can only register my name as the owner to match the mortgage. But this is a matrimonial home. Therefore the officer asked for a proof of ownership that we dont have. THey advised that most married couples own a home together in both names. I dont understand this logic because my spouse is not a PR in canada yet, this can really complicate real estate transactions if she is out of the country and as a active real estate investor, I make quick moves when opportunity arises. The same applies for our "2nd home" which is a rental property. I am the only registered owner and landlord due to the nature of the mortgage application. If her name was on it as well then it really complicates/delays the mortgage application and could disqualify me for that mortgage and also to mention that most rental properties have no reason to have joint owners
What can I do in this case? I really doubt that these outland officers understand the canadian real estate moves that I have made here. One of the officers is from Singapore I believe. Im not sure they understand the concept of ownership title on the house has to match the mortgage names and due to complications I did not include her name on the mortgages. I am not sure if they understand the concept of matrimonial home as well. also to note, we have a joint bank account and all mortgage payments are made from there.
Please help as we are threatened a rejection for something silly :-[ Is there anything I can obtain from my real estate lawyer to make this officer happy
One of the question raised during the interview was why my spouse isnt pregnant yet. My spouse was very honest and advise that we purchased 2 houses this year. (1 of which we live in as a matrimonial home, the other 1 being a investment property) The interviewer counter-questioned her and asked for proof of ownership of two homes and asked for us to provide this within 2-4 weeks and threatened her that the application could be rejected if we dont. I find it outrageous that they demand for "proof of ownership" but I feel that we have already satisfied the criteria for proof of COHABITATION but the interviewer went a step further to demand more. We have many many pictures together and proof of the address.
I, myself is very engaged with canadian real estate (every year ive made transactions, either buying or selling). As a young investor we have not made plans together to settle down in one house and always plan to move around for financial gain whenever there is an opportunity in the market. This is the nature of the real estate market now in Canada. Our first home we lived in, I purchased with only my name on it and at that time I was not married with her but she lived in it the entire duration. We sold this home this year (it obviously only had my name) and we purchased a larger property (which we live in together this year). Due to mortgage complications and my stronger financial profile, the mortgage only has my name on it for the larger property. The real estate lawyer can only register my name as the owner to match the mortgage. But this is a matrimonial home. Therefore the officer asked for a proof of ownership that we dont have. THey advised that most married couples own a home together in both names. I dont understand this logic because my spouse is not a PR in canada yet, this can really complicate real estate transactions if she is out of the country and as a active real estate investor, I make quick moves when opportunity arises. The same applies for our "2nd home" which is a rental property. I am the only registered owner and landlord due to the nature of the mortgage application. If her name was on it as well then it really complicates/delays the mortgage application and could disqualify me for that mortgage and also to mention that most rental properties have no reason to have joint owners
What can I do in this case? I really doubt that these outland officers understand the canadian real estate moves that I have made here. One of the officers is from Singapore I believe. Im not sure they understand the concept of ownership title on the house has to match the mortgage names and due to complications I did not include her name on the mortgages. I am not sure if they understand the concept of matrimonial home as well. also to note, we have a joint bank account and all mortgage payments are made from there.
Please help as we are threatened a rejection for something silly :-[ Is there anything I can obtain from my real estate lawyer to make this officer happy
