If you’re renting for the first time in Toronto, here’s what you need to know before applying. The market moves fast, and most landlords expect you to have everything ready before they even consider your application.
1. Credit Requirements
Most landlords want to see a credit score around 680 or higher. Anything below that might raise questions, but it’s not always a dealbreaker — especially if you can show strong income or offer extra security (like a co-signer or a few months upfront). They’ll usually ask for a credit report from Equifax or TransUnion. You can download it yourself for free.
2. Standard Documents
Be prepared to provide the following:
Employment letter – should include your position, salary, and start date.
Recent pay stubs – usually 2 or 3.
Photo ID – driver’s license or passport.
Credit report – as mentioned above.
References – from a past landlord, or even a professional reference if you’re renting for the first time.
If you’re a student or newcomer without Canadian credit history, consider attaching proof of savings, a guarantor, or a letter of explanation.
3. How to Stand Out
Toronto rentals get multiple applications, so you want to make it easy for the landlord to say yes.
Have all documents ready in one PDF – organized and clean.
Write a short intro about who you are, why you’re moving, and how stable your income is.
Be quick to respond and show you’re serious.
Offer a few months upfront if your credit is weak or if you’re self-employed.
It’s a competitive market, but being organized and professional makes a huge difference. Landlords want tenants who pay on time and cause no trouble — that’s really it.
If anyone else here recently rented their first place in Toronto, feel free to share what worked for you.