Mortgage Preapproval

Start Smart. Buy with Confidence.

Getting pre-approved is more than just a first step—it’s a strategic move that sets you up for success on your homeownership journey. It gives you a clear picture of your budget, signals to sellers that you're serious, and makes the entire buying process smoother from start to finish.

Whether you’re a first-time buyer, planning a move in the next few months, or just want to know what you can comfortably afford, a pre-approval puts you in the driver’s seat—ready to shop with confidence and negotiate with power.

What We Review During Your Pre-Approval:

Your income and employment details
Your credit score and history
Your down payment and available savings
Your debt-to-income ratio

Does a pre-approval hurt my credit?

A pre-approval has little effect on your credit and is a smart step toward homeownership.

How long is a pre-approval valid for?

Most mortgage pre-approvals are valid for up to 120 days (about 4 months), depending on the lender. This gives you time to shop for a home while locking in a rate and understanding your budget.

Even if you’re not 100% sure you’ll be buying within that timeframe, it’s still a smart move to get pre-approved early. It prepares you for when the right opportunity comes along and gives you a clear financial picture so you can make confident decisions—whether that’s next month or a little further down the road.

Can I get pre-approved if I’m self-employed or new to Canada?

Yes! We work with many lenders who offer flexible options for unique situations. To learn more about our new to canada services, click here.

Our mortgage term was expiring and our current lender was increasing our current rate. We contacted Tracy once again to help us get the best rate/lender. We were provided with improved interest rates and our current lender was not willing to match even if it meant losing our business!! Tracy's team was willing to answer our questions and clarify details about our new offering even later in the night. This service was greatly appreciated and showed we were a valuable return client.

Randy Bordon

8 years ago

Lynn Ireland

10 days ago

Many thanks to Tracy and her team that went above and beyond to help us get sorted out in a short amount of time ! Already had my plate full with a sick family member and made everything easy for us ! Would highly recommend !

sheri carrigan

13 days ago

Dodi Rideout

14 days ago

My partner and I were first time homebuyers, and frankly, were very intimidated and relatively uneducated in the world of mortgages and home buying. Tonya Origlieri was our mortgage agent, and was not only a pleasure to work with, but made our experience as stress free as possible. She was very knowledgeable and went above and beyond to make sure we had the best lender fit for our needs, and helped guide us through the entire process. She played a pivotal role in our first home buying journey, and we are grateful for the quality of service that was provided to us. Thank you!

Graeme Woodall

25 days ago

Awesome experience, answered all questions & made the mortgage process smooth! Used a second time, and same thing! Responsive & easy to deal with.

Bayley Doerr

2 years ago

Ready to take the first step?

Let’s get you pre-approved today. We’ll shop the best rates, simplify the paperwork, and set you up for success.

Book A Free Consultation Start Your Pre-Approval