Get Mortgage Pre-Approved Today
Take the first step toward homeownership. Get pre-approved in as little as 24 hours and shop with confidence.
Pre-Approval vs Pre-Qualification
Quick process (15-30 minutes)
Based on self-reported information
No credit check required
Non-binding estimate
Limited weight with sellers
Takes 1-3 business days
Verified income & employment
Full credit check performed
Conditional commitment from lender
Strengthens your offer significantly
Why Get Pre-Approved?
A mortgage pre-approval gives you a competitive edge in today's real estate market
Sellers take pre-approved buyers more seriously, increasing your chances of acceptance
Understand exactly how much you can afford before you start house hunting
Pre-approval speeds up the mortgage process, helping you close deals faster
With financing secured, you're in a stronger position to negotiate price
Lock in today's rates for 90-120 days, protecting you from rate increases
Show sellers you're a serious, qualified buyer ready to move forward
What You'll Need
- Valid government-issued photo ID (driver's license or passport)
- Social Insurance Number (SIN)
- Proof of Canadian citizenship or residency status
- Last 2 years of T4 slips and Notices of Assessment (NOAs)
- Recent pay stubs (last 3 months)
- Letter of employment or business documents if self-employed
- Last 3 months of bank statements
- Investment account statements (RRSPs, TFSAs)
- List of existing debts (credit cards, loans, car payments)
- Proof of down payment source
- Credit check authorization
- Consent for employment verification
- Authorization to pull credit bureau report
The Pre-Approval Process
Submit Documentation
Complete the application and provide all required documents
Credit Check
Lender pulls your credit report and reviews your credit history
Income Verification
Lender verifies your employment, income, and financial stability
Approval Decision
Receive your pre-approval amount and interest rate
Rate Hold
Your rate is locked in for 90-120 days while you shop for a home
How Long Does a Pre-Approval Last?
Most mortgage pre-approvals are valid for 90 to 120 days. This gives you time to find your ideal home without rushing.
During this period, your approved interest rate is "held" or locked in, protecting you from rate increases. If rates drop, many lenders will offer you the lower rate.
Important Note:
Your pre-approval can be revoked if your financial situation changes significantly (job loss, new debts, credit issues). Keep your finances stable during your home search.
Apply for Pre-Approval
Complete this form to get started with your mortgage pre-approval
Common Pre-Approval Questions
Success Stories
"Getting pre-approved gave us the confidence to make a strong offer. We closed on our dream home within 30 days!"
Sarah & Michael
Toronto, ON
"The pre-approval process was surprisingly quick. Knowing our budget before house hunting saved us so much time and stress."
James Chen
Vancouver, BC
"Our pre-approval letter made all the difference. In a competitive market, sellers knew we were serious buyers ready to move forward."
Emily Rodriguez
Calgary, AB
"We were able to lock in a great rate with our pre-approval. Even when rates went up, we were protected!"
David & Lisa
Ottawa, ON
Frequently Asked Questions
Ready to Start Your Home Buying Journey?
Get pre-approved today and take the first step toward homeownership with confidence