Let’s get you pre-approved.
About 5 minutes. No credit pull to begin. One licensed advisor shops 100+ lenders for you.
Apply in about 5 minutes
A soft pre-qualification — no credit pull, no obligation. A senior FSRA-licensed broker picks up your file.
- 01
Pick your goal
Buying, renewing, refinancing, HELOC, commercial — the questions adapt to exactly what you need.
- 02
Share your numbers
Property value, income, down payment. Rough guesses are fine — no documents required yet.
- 03
See a quick estimate
A stress-tested affordability estimate appears before you speak to anyone.
- 04
Advisor gets in touch
An FSRA-licensed specialist — not a call centre — reviews your file and reaches out.
What happens next
One licensed broker. One file. From first contact to funding.
Senior broker reviews your file
One licensed advisor — not a lead pool — takes ownership of your application from first call to funding date. You get a single point of contact who knows your file.
Find your path
The form adapts to your situation. Not sure? Pick the closest option — you can change it any time.
Common questions
Plain answers before you start.
Secure the lowest rate. We shop 100+ lenders simultaneously — banks, credit unions, monolines, and alternative lenders.
FSRA-licensed advisors. One dedicated specialist who knows your file — not a call centre or a lead pool.
No credit pull to begin. A soft pre-qualification only. A hard check happens later, with your explicit consent.
Let's get started
Apply now →Does applying affect my credit score?+
No. Starting an application is a soft pre-qualification — there is no credit-bureau pull to begin. A hard check only happens later, with your explicit consent, once you decide to move forward with a specific lender.
How long does the application take?+
About five minutes. It's five short steps — your goal, your situation, your finances, your contact details, and a review. You can change any answer before you submit; nothing is locked in.
What happens after I submit?+
A senior FSRA-licensed broker reviews your file and gets back to you shortly with next steps. You'll also be able to complete your full application online, so your advisor has everything needed to shop for your lowest rate.
Do I need my documents ready to apply?+
Not to start. The initial pre-qualification only needs the numbers you already know. Your broker will send a simple checklist — usually ID, income confirmation, and a recent mortgage or property statement — once you're ready for full underwriting.
Is there any cost or obligation?+
No. Pre-qualification is free and there's no obligation to proceed. On residential deals the lender pays our commission, so our advice costs you nothing.
Can I apply if I'm self-employed or have bruised credit?+
Yes. Alongside the big banks we work with alternative and B-lenders who specialise in self-employed, new-to-Canada, and credit-challenged borrowers. Choose the option that fits on the first step and we'll tailor the questions.
Which types of mortgages can I apply for here?+
Purchases, refinances, renewals, HELOCs and home-equity take-outs, self-employed and newcomer mortgages, plus commercial financing. Pick your goal on step one and the form adapts to it.