Mortgage Pre-Approval in Ontario
Know exactly what you can afford, lock in today's rate for up to 120 days, and walk into every Ontario showing as a serious buyer.
Mortgage Pre-Approval
A real mortgage pre-approval is more than a soft online estimate — it's a fully underwritten commitment that tells you exactly how much you can borrow and protects you from rising rates.
In today's Ontario market, sellers in the GTA expect serious offers backed by verified financing. A proper pre-approval reviews your income, credit, down payment, and applies the federal OSFI stress test so there are no surprises when you find the home you love.
I review your numbers against more than 50 lender programs, including options for newcomers, self-employed buyers, and those using gifted down payments. You walk away with a clear maximum purchase price, a target monthly payment, and a 90–120 day rate hold to protect you while you shop.
How I Can Help
- Full underwriting — not just a soft check — so your pre-approval actually holds up
- Rate holds of up to 120 days to protect you from Bank of Canada rate hikes
- Stress-test math explained in plain English so you know your true buying power
- Down payment, closing cost, and Ontario land transfer tax planning
- Specialty programs for first-time buyers, newcomers, and self-employed applicants
A Simple 4-Step Process
Tell me about your goals and I'll outline your options for the Ontario market.
We confirm your budget, run the OSFI stress test, and lock in a competitive rate hold.
Shop with confidence knowing your financing and land transfer tax costs are mapped out.
I work with your realtor and lawyer through closing day so you can pick up the keys stress-free.
What Ontario Clients Say
Nick made the home buying process so easy. He was always available to answer questions and got me a great rate. I couldn't be happier!