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Mortgage Pre-Approvals

Know your buying power before you start shopping. A pre-approval gives you confidence and a competitive edge.

A mortgage pre-approval is the essential first step in the home buying process. It tells you exactly how much you can afford, locks in an interest rate for a set period (typically 90-120 days), and shows sellers that you are a serious, qualified buyer. Getting pre-approved costs nothing and puts you in a stronger negotiating position when you find the right property.

Who Is This For?

Anyone planning to purchase a home within the next 6 months
First-time buyers who want to understand their budget
Buyers who want to lock in current interest rates
Those who want to make stronger, more competitive offers
Anyone curious about what they can afford before starting to look

Common Goals

Determine the maximum purchase price you qualify for
Lock in an interest rate to protect against rate increases
Understand your monthly payment obligations before buying
Identify and address any qualification issues early
Show sellers you are a pre-approved, serious buyer

How It Works

I collect your income, employment, and financial information during a brief consultation.

I review your credit, debts, and overall financial picture to determine your qualification amount.

I issue a pre-approval certificate showing your maximum purchase price and rate hold.

When you find a property, we convert the pre-approval to a live application quickly and efficiently.

Ready to Get Started?

Free consultation, no credit check. I search 65+ lenders and 7,000+ solutions to find your best fit.

Get Your Free Quote Call 416-735-2252

Subject to lender approval. O.A.C.

Typical Documents Needed

Government-issued photo ID
Proof of income (pay stubs, T4s, letter of employment)
Notice of Assessment (most recent)
Bank statements showing savings for down payment
List of current debts and monthly payments