{"id":971,"date":"2026-08-25T14:44:36","date_gmt":"2026-08-25T14:44:36","guid":{"rendered":"https:\/\/monapprobation.sltm.ca\/nouvel-achat-en-tmp\/"},"modified":"2026-09-10T15:39:33","modified_gmt":"2026-09-10T15:39:33","slug":"nouvel-achat","status":"publish","type":"page","link":"https:\/\/www.monapprobation.com\/en\/nouvel-achat\/","title":{"rendered":"New Purchase"},"content":{"rendered":"\t\t
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Your bank gave you a number.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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We compare several.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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We take care of the financing so you can focus on what matters: finding the right property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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whatever it may be<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Get your\u2028green light\u2028for your purchase<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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HOUSE<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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MULTIPLEX<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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CONDO<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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COTTAGE<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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LAND<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Make your offers with solid arguments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tStart your pre-qualification<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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In 24 hours or less<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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A dedicated team that handles your request as a priority, from start to finish.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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In 24 hours or less<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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We prepare your pre-qualification letter quickly, free of charge and without touching your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Simple. Fast. Stress-free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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How it works with us<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Step 1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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We discuss your project<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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We take the time to understand your situation, your goals and your timeline. No generic forms, a real conversation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Step 2<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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We build a rock-solid file<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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We gather what lenders want to see and highlight your strengths. A well-built file gets approved faster, on better terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Step 3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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We compare, you choose<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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One application. Several offers. We present the best options to you clearly, along with our recommendations, and you make the decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Your situation is unique<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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So is our approach<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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No two mortgage files are alike.\u2028Your 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\u2028a complication, we see as a file\u2028to present well.\u2028<\/p>

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\u2019re headed. In both cases, we adapt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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First-time buyers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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We know it\u2019s a lot of information to take in over a short time. Minimum down payment, RRSP\/HBP, CMHC insurance, notary fees\u2026 We explain everything, step by step, without overwhelming you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Buyers with equity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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You\u2019ve 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Self-employed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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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\u2019t fit into a standard box.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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our answers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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to the real questions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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What\u2019s the difference between a pre-qualification and a pre-approval? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A pre-qualification gives a picture of your buying power based on the information you provide us. It\u2019s 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How much does it cost to work with you? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Nothing. Our services are free for you. We\u2019re paid by the lender once your mortgage closes, and it doesn\u2019t push your rate up. You get a broker\u2019s expertise at no extra cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Does going through a mortgage broker affect my credit score? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can you get better rates than going directly to my bank? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How long does it take to get a pre-approval? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Generally between 24 and 48 hours once you\u2019ve 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Do I need a 20% down payment? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No. In Canada, the minimum down payment is 5% for properties of $500,000 or less. Between $500,000 and $999,999, it\u2019s 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

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. Get your free pre-qualification whatever it may be Get your\u2028green light\u2028for your purchase HOUSE MULTIPLEX CONDO COTTAGE LAND Make your offers with solid arguments. A pre-qualification letter is what […]<\/p>\n","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-971","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages\/971","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/comments?post=971"}],"version-history":[{"count":4,"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages\/971\/revisions"}],"predecessor-version":[{"id":1502,"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages\/971\/revisions\/1502"}],"wp:attachment":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/media?parent=971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}