How long does mortgage pre-approval take?

As little as 24 hours. We gather your information, run a credit check, and submit to multiple lenders simultaneously to get you the best rate.

Does pre-approval affect my credit score?

A pre-approval does involve a credit inquiry, which may temporarily lower your score by a few points. However, having a pre-approval makes you a stronger buyer and shows sellers you're serious.

How much does pre-approval cost?

Our pre-approval service is 100% free. We're compensated by lenders when your mortgage closes, so you get expert advice at no cost.

How long is a pre-approval valid?

Most pre-approvals are valid for 90-120 days. This gives you plenty of time to find the right home while locking in your rate.

What documents do I need for pre-approval?

Typically you'll need: government-issued ID, proof of income (pay stubs, T4s, or NOA if self-employed), proof of down payment, and employment verification. We'll guide you through exactly what's needed.

Mortgage pre-approval Oshawa Durham Region

Pre-Approval in 24 Hours

Get Pre-Approved
Today.
Buy Tomorrow.

Know exactly what you can afford before you make an offer. Free pre-approval from 50+ lenders — no obligation, no stress.

Last updated: April 13, 2026

Get Pre-Approved Now 236-238-2361

Free Pre-Approval

24 hours · no obligation

Response in 5 min · No credit check to start

24hr

Pre-Approval Time

50+

Lenders Compared

100%

Free Service

5 min

Avg Response

FSRA Licensed

500+ Happy Clients

Lowest Rate Guarantee

50+ Lenders

10+ Years Experience

Trusted by Canada's Top Lenders

RBC

Scotia

BMO

CIBC

MCAP

First National

EQ Bank

Why It Matters

Don't shop without
a pre-approval.

A mortgage pre-approval is your first step to homeownership. It tells you exactly what you can afford and makes you a serious buyer in the eyes of sellers.

Know Your Budget

Understand exactly how much house you can afford. No guessing, no disappointment — just clarity.

Stronger Offers

Sellers take pre-approved buyers seriously. Your offer stands out in competitive markets.

Rate Protection

Lock in your rate for 90-120 days. If rates go up, your pre-approved rate stays the same.

Fast Closing

Once you find a home, closing is faster because your financing is already sorted.

No Surprises

Avoid the heartbreak of finding your dream home only to discover you can't afford it.

Best Rate

We compare 50+ lenders to ensure you get the lowest rate available.

How It Works

Pre-approved in
3 simple steps.

Free Consultation

Tell us about your income, employment, and home goals. Takes about 15 minutes.

We Shop Rates

We submit to 50+ lenders simultaneously and negotiate the best deal for you.

Get Pre-Approved

Receive your pre-approval certificate in as little as 24 hours. Ready to shop!

Who It's For

Everyone should get
pre-approved first.

First-time homebuyers who don't know where to start

Moving to a new city and need to understand the market

Self-employed with non-traditional income

Bad credit but want to know your options

Upgrading to a bigger home

Investors looking to expand their portfolio

First-time homebuyer getting mortgage pre-approval

90-120

Days rate protection

Testimonials

Pre-approved clients
love us.

“Got pre-approved in 24 hours and found our dream home the next week. The pre-approval made our offer stand out.”

Sarah M.

Oshawa

First-Time

“We had no idea what we could afford. Our broker walked us through everything and got us pre-approved fast.”

Raj & Priya K.

Whitby

First-Time

“Self-employed and thought pre-approval would be impossible. He made it easy and found a great rate.”

David T.

Ajax

Self-Employed

FAQ

Common pre-approval questions.

Ready to get pre-approved?

Start your free pre-approval today. No credit check to start, no obligation, and you'll hear back within 5 minutes.

Get Pre-Approved Now Call 236-238-2361

Get Pre-ApprovedToday.Buy Tomorrow.