Getting a mortgage pre-approval is a key step before starting your property search. It allows you to know in advance how much you can borrow, what interest rate you qualify for, and what your real purchasing power is based on your financial situation. This helps you shop for your future home with clarity and confidence.
A mortgage pre-approval is a conditional commitment from a lender based on an analysis of your income, credit history, and debt ratio. It is not yet a formal mortgage, but it confirms that you qualify for financing up to a certain amount.
A pre-approval allows you to:
Once you have your pre-approval and have chosen a property, your file moves to the next stage: finalizing your mortgage. The lender then completes the full verification of the transaction, including the property appraisal and the review of all required documents before signing. This process ensures that you can complete your purchase more quickly and with greater peace of mind.
Our mortgage experts guide you every step of the way through your home-buying journey. We analyze your financial situation, compare offers from multiple lenders, and help you obtain the best possible terms for your future mortgage.
