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A mortgage pre-approval is a process that provides you with important information to help you with your home search. When you get pre-approved for a mortgage, you’ll find out:

  • The maximum amount you can afford to spend on a home
  • The monthly mortgage payment associated with your maximum purchase price
  • What your mortgage rate will be for your first mortgage term


We encourage you to read the information below in advance, in order to be better prepared with questions during your application process.

The mortgage pre-approval process is a great way for purchasers to get started with their quest of buying a home. This process ensures that the applicants are able to begin searching for the home that best suits their financial capabilities. With our pre-approvals, we provide up to six month rate hold, and purchasers can be at ease with the buying process in order to make sure they purchase the home that best suits their needs. By “locking in” your rate, you’re protected if interest rates rise while you’re shopping for a home. If interest rates go down during this time, your lender will honour the lower rate.

This process also provides first-time home buyers a great opportunity to become more educated by asking all their questions well ahead of time so that there are no surprises.

Applying for a mortgage pre-approval is free and it doesn’t commit you to one single lender. During our painless pre-approval process, we request that our applicants provide us with an application, so that we may quickly furnish them with a firm mortgage pre-approval, and all that remains at this point is the finality of an Agreement of Purchase.