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I work closely with a vast network of over 40 lenders, which allows me to streamline the preapproval process. This means I can get you a decision in less than 24 hours, and the best part is, it's completely free!
While banks can offer good mortgage products, their pre-approval process can be slow, often taking weeks to complete. Plus, they only offer their own products, which may not always be the most competitive option.
By working with me:
A mortgage pre-approval in Alberta can take as little as 24 hours when you work with a broker, compared to the days or weeks a bank often needs. Once I have your income details, ID, and consent to pull credit, I submit to my lender network and usually have your pre-approval letter back within one business day. The timeline depends mostly on how fast you can get your documents to me, so having them ready up front is the quickest path to a same-day or next-day answer.
Most pre-approvals in Alberta are valid for 90 to 120 days. That window includes a rate hold, which locks your quoted rate so an increase during your home search won't affect you. If you haven't found a home before it expires, I can refresh your pre-approval and re-confirm your rate, usually with a quick update rather than a full new application.
You'll need proof of identity, proof of income, confirmation of your down payment, and permission to check your credit. Here's the typical checklist I ask clients for:
If you're self-employed, expect to provide two years of Notice of Assessment from the CRA and your business financial statements instead of standard pay stubs.
Getting pre-approved involves a hard credit inquiry, which can lower your score by a few points temporarily. The impact is small and short-lived. If you're comparing multiple lenders, Canadian credit bureaus generally count mortgage inquiries made within a short window as a single inquiry, so shopping your options through one broker won't stack up multiple hits on your report.
Pre-qualification is a rough estimate based on numbers you provide, with no document checks or credit pull. Pre-approval is the real thing. I verify your income and down payment, check your credit, and a lender commits to a specific amount and rate. Sellers take a pre-approval far more seriously, which is why it's worth doing properly before you start house hunting.
The amount depends on your income, your existing debts, your down payment, and the federal mortgage stress test. The stress test requires you to qualify at the higher of your contract rate plus 2% or 5.25%, so your approval is based on a slightly higher rate than the one you'll actually pay. I'll run your numbers against that test and across my lender network to find the most you qualify for without stretching your budget.
Yes. A pre-approval is conditional, not a final guarantee. It can still fall through if your finances change, if the property doesn't appraise at value, or if final underwriting turns up something unexpected. The best way to protect it is to avoid big changes before closing. Don't switch jobs, take on new debt, or make large unexplained deposits while your mortgage is being finalized.
Don’t let delays or limited options hold you back. Whether you’re looking to buy in Edmonton, Calgary, or a rural Alberta community, I’m here to help you secure your preapproval quickly and hassle-free.
Contact me today to get started. Let's find the right mortgage for you!
If you have more questions, or would like assistance with planning your mortgage, please reach out to me today!
