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1. Alternative Products Considered: Discussion of other mortgage products that were considered but deemed less suitable - include when multiple products were evaluated

2. Co-Borrower Information: Additional section when there is a co-borrower involved in the mortgage application

3. Special Circumstances: Section addressing any unique circumstances affecting the mortgage recommendation (e.g., self-employed status, non-traditional income)

4. Investment Property Considerations: Additional considerations when the mortgage is for an investment property rather than a primary residence

5. Rate Hold Details: Include when a specific rate is being held for the client

1. Schedule A - Financial Summary: Detailed breakdown of client's financial position, including income, expenses, and existing debts

2. Schedule B - Product Comparison: Comparative analysis of different mortgage products considered

3. Schedule C - Cost Breakdown: Detailed breakdown of all costs associated with the mortgage, including fees and charges

4. Appendix 1 - Interest Rate Scenario Analysis: Illustrations of payment scenarios under different interest rate conditions

5. Appendix 2 - Required Documentation List: Checklist of documents required for the formal mortgage application