Affordability Review
Your income, housing costs, debts, and down payment are reviewed to estimate a suitable price range.
Know your numbers
Mortgage Pre-Approvals
A mortgage pre-approval helps you understand a realistic price range before you start shopping. It is a review of your income, debts, credit, and available down payment—not a final property approval.
What to consider
Clear guidance for your situation
Every mortgage application is different. These are the main areas we review when building your plan.
Credit & Document Check
We identify missing documents, credit concerns, or liabilities that could affect an approval.
Rate-Hold Discussion
When available and appropriate, we can discuss potential rate-hold options and their conditions.
The process
From first conversation to closing
I keep the process organized and explain what is needed at each stage.
Application
Complete a mortgage application with accurate personal and financial details.
Document Review
Provide income, down payment, debt, and identification documents.
Qualification
Review debt-service ratios, credit, stress-test payment, and lender options.
Next Steps
Receive guidance on your price range and what must be updated once you find a property.
Common documents
Documents you may need
The exact document list depends on the lender, insurer, borrower, and property.
- Government-issued identification
- Employment letter and current pay stubs
- T4s or tax documents, when required
- Down-payment statements
- Current mortgage or rental information
- Statements for loans, lines of credit, and other liabilities
Information on this page is general and does not guarantee approval. Mortgage approval is subject to lender and insurer requirements, credit review, income verification, property review, and supporting documentation.
Ready to discuss your mortgage?
Book a free consultation and get clear next steps based on your situation.