Your bank gave you a number.
We compare several.
We take care of the financing so you can focus on what matters: finding the right property.
whatever it may be
Get your green light for your purchase
HOUSE
MULTIPLEX
CONDO
COTTAGE
LAND
Make your offers with solid arguments.
A pre-qualification letter is what turns an ordinary offer into a credible one. It shows the seller that you have the financing to follow through. In a competitive market, that changes everything. We prepare it for you in 24 hours or less. Free of charge. Without affecting your credit score.
In 24 hours or less
A dedicated team that handles your request as a priority, from start to finish.
In 24 hours or less
We prepare your pre-qualification letter quickly, free of charge and without touching your credit score.
Simple. Fast. Stress-free.
How it works with us
Step 1
We discuss your project
We take the time to understand your situation, your goals and your timeline. No generic forms, a real conversation.
Step 2
We build a rock-solid file
We gather what lenders want to see and highlight your strengths. A well-built file gets approved faster, on better terms.
Step 3
We compare, you choose
One application. Several offers. We present the best options to you clearly, along with our recommendations, and you make the decision.
Your situation is unique
So is our approach
No two mortgage files are alike. Your income, your credit history, your down payment and your project all have an impact on the options available to you. What a bank sees as a complication, we see as a file to present well.
We take the time to understand where you stand before pointing you toward the right lenders. Some clients need to be guided step by step. Others want to move fast and know exactly where they’re headed. In both cases, we adapt.
First-time buyers
We know it’s a lot of information to take in over a short time. Minimum down payment, RRSP/HBP, CMHC insurance, notary fees… We explain everything, step by step, without overwhelming you.
Buyers with equity
You’ve built equity. We make sure it works for you in your next purchase, whether to lower your payments, avoid CMHC insurance or simply get better terms.
Self-employed
We know the lenders who understand the reality of the self-employed and the incorporated. We know how to present your file so it gets approved, even when the numbers don’t fit into a standard box.
our answers
to the real questions
What’s the difference between a pre-qualification and a pre-approval?
A pre-qualification gives a picture of your buying power based on the information you provide us. It’s fast and has no impact on your credit. A pre-approval is a more formal analysis that involves a credit check and gives you a rate hold for a set period. We guide you to the right step based on your situation.
How much does it cost to work with you?
Nothing. Our services are free for you. We’re paid by the lender once your mortgage closes, and it doesn’t push your rate up. You get a broker’s expertise at no extra cost.
Does going through a mortgage broker affect my credit score?
Only one credit check is done on our end, even though we shop around with several lenders. Unlike approaching each bank yourself, going through a broker limits the impact on your credit file.
Can you get better rates than going directly to my bank?
In most cases, yes. We have access to dozens of lenders, including banks, credit unions and alternative lenders, and we negotiate large volumes that give us access to preferred rates. Your bank can only offer you its own products.
How long does it take to get a pre-approval?
Generally between 24 and 48 hours once you’ve given us your documents. In some cases we can go even faster. We make sure everything is in order before submitting your file to avoid unpleasant surprises.
Do I need a 20% down payment?
No. In Canada, the minimum down payment is 5% for properties of $500,000 or less. Between $500,000 and $999,999, it’s 5% on the first $500,000 and 10% on the rest. Below 20%, your mortgage must be insured by CMHC or an equivalent insurer, which adds a premium, but it stays accessible. We walk you through all your options based on the down payment you have available.
