Does this pre-qualification affect my credit score?

No. This estimate uses the numbers you enter without a credit pull. A full pre-approval involves a hard credit inquiry. Working through a broker usually means fewer inquiries, and credit bureaus generally treat several mortgage inquiries within a short shopping period as one.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an informal estimate, without documents, a lender approval or a rate hold. A full pre-approval involves verification of income, credit and down payment; final approval also depends on the property. It is not a guarantee of financing.

60-second pre-qualification

Mortgage pre-qualification: see what you could qualify for.

No credit pull to begin. No commitment. Real Canadian stress-tested math against your numbers, plus a clear next step — whether that’s a full lender pre-approval, a specialist lender, or a plan to build up.

No credit pull to begin 60 seconds Maya available 24/7 Advisor only if you ask

Start the 6 questions →Avg time: 58 seconds

Prefer to talk? Call an advisor (905) 553-8550 Call Maya, our AI assistant, 24/7

Sample estimate (not an approval)

$920,000 sample purchase price

21% down · $726,800 mortgage · 25 years. ≈ $4,820/mo at an illustrative 6.39% qualifying rate.

GDS

34%

TDS

41%

LTV

79%

Profile type

Prime lender

Next steps

1Send pay stubs & NOAs
2Confirm down-payment source
3Full pre-approval (one hard inquiry)

SAMPLE RESULT

100+ lenders shopped

Let's run your numbers.

A few quick questions. We use the same stress-tested math Canadian lenders use and show you a clear path forward — whether you're buying, refinancing, or renewing.

Estimate

No credit pull

Not an approval

sec

To completion

100+

Lenders

In our network

60 seconds

Six quick questions, instant pre-qualification estimate

No credit pull to begin

No credit pull — won't affect your credit score

A licensed advisor reviews your file

Maya answers any time · your advisor confirms your numbers

Google 4.9★ rating

256 Google reviews from our borrowers

Pre-qualification and pre-approval questions, answered

A pre-qualification is a quick estimate from the numbers you enter. For documents, rate holds and lender review, get a full mortgage pre-approval.

Does this pre-qualification affect my credit score?: No. This estimate uses the numbers you enter without a credit pull. A full pre-approval involves a hard credit inquiry. Working through a broker usually means fewer inquiries, and credit bureaus generally treat several mortgage inquiries within a short shopping period as one.
What is the difference between pre-qualification and pre-approval?: Pre-qualification is an informal estimate, without documents, a lender approval or a rate hold. A full pre-approval involves verification of income, credit and down payment; final approval also depends on the property. It is not a guarantee of financing.

Ready to see your number? Start the 60-second pre-qualification above, or begin a full application when you’re set.

Fact-checked by Surrayya Afzal, Principal Broker, FSRA #M14001433. Last reviewed: October 2026. Uninsured lenders may apply different debt-service limits.

Sources: OSFI qualifying rate, CMHC GDS/TDS, FCAC preapproval.

Local advisors: Burlington, Vaughan.