Know Your Budget
Before You Shop
Get a firm pre-approval letter in as little as 24 hours. Lock your rate for 120 days and shop with confidence — no obligation, no hard credit pull until you're ready.
24h
Pre-approval turnaround
120 days
Rate hold protection
30+
Lenders compared
$0
Broker cost to you
Mortgage Pre-Approval
Why get pre-approved before you search?
A pre-approval tells you exactly how much home you can afford, locks your rate against increases for up to 120 days, and shows sellers you're a serious buyer. Without it, you're guessing — and guessing in a competitive market costs you.
Rate Hold Protection
Lock today's rate for up to 120 days. If rates rise, you're protected. If they fall, we renegotiate.
Real Buying Power
Know your exact purchase limit before you fall in love with a home that's out of range.
Faster Closing
With underwriting done upfront, you can shorten the condition period and compete with firm offers.
Stronger Offers
Sellers and agents take pre-approved buyers more seriously — especially in multiple-offer situations.
No Surprises
We review your income, credit, and liabilities before you find a home — not after.
Soft Pull First
We start with a soft credit inquiry that doesn't affect your score. Hard pull only when you're ready to apply.
How pre-approval works
Simple, transparent, and built around you.
Answer a few questions
Income, down payment, property type, and credit — takes about 10 minutes online or by phone.
10 minSubmit documents
T4s, NOAs, pay stubs, and bank statements. We tell you exactly what's needed — nothing extra.
1–2 hoursGet your letter
We shop 30+ lenders, pick the best rate, and send you a signed pre-approval letter within 24 hours.
24 hoursStart house hunting
Your rate is locked. Shop confidently knowing exactly what you can afford and what your payments will be.
Up to 120 days“We got our pre-approval letter in 18 hours. When we found our house, we were able to waive the financing condition because everything was already done. We closed in 12 days.”
James & Aisha K.
Mississauga, ON
Common questions
Get pre-approved in 24 hours
Start now — it takes 10 minutes and won't affect your credit score. We'll compare 30+ lenders and lock in your best rate today.