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A pre-approval that holds up when you write the offer.
Rate, amount and conditions shopped across dozens of lenders, before you fall in love with a house. First home or fifth.
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Buyers who want the number to mean something.
First-time buyers
Down payment minimums, mortgage insurance, the FHSA, and what the bank app didn't tell you. Alberta has no land transfer tax, which helps.
Move-up buyers
Buying before you sell, porting your current mortgage, or using the equity in this house as the down payment on the next one.
Self-employed
Business-for-self income, stated income programs, and lenders who read a set of financials the way an accountant does.
Declined by your bank
One bank said no. That's one shelf. Credit unions, monolines and alternative lenders each look at a file differently.
What a real pre-approval includes.
Four steps from "what can I afford?" to keys.
Five-minute assessment
Your goal, your income, your down payment, what you owe. No credit check to start.
Document checklist
We send a short list for your situation (salaried or self-employed) and review what comes back.
Pre-approval letter
Amount, rate hold and conditions in writing. Shop with it.
We shop the live deal
Once you have an accepted offer we take the file to the lenders that fit and negotiate the final terms.
Find out what you can afford. Then go look at houses.
Five minutes to tell us what you're after. A licensed broker calls you back with a real number.
