Our Process
With our team of experts we guarantee a seamless process that will keep you informed and engaged throughout. Our process is sure to provide you with the convenience that is ever so important in our fast paced society coupled with a mortgage product that will not only provide you maximum flexibility but allow you to get where you want to be faster.
Our many years of experience has resulted in us being able to provide innovative mortgage solutions
that all Canadians can benefit from.
For the existing home owner, first-time home buyer or real estate investor, we will cut to the core of what matters!
Step. 1
Collect Your Mortgage Documents and Send Them To Our Secured Database To Complete An Application
Step. 2
We Review The Application With You And Reconfirm The Details
Step. 3
Application Completed And Mortgage Application Submitted
Step. 4
Confirmed Full Lender Approval And Mortgage Approval Package Provided
What we need from you
Step 1 is the most crucial step to ensure we are working with the most accurate information and will ensure a seamless process with an absolute best option.
A Pre-Approved Mortgage is a Free and No-Obligation Mortgage Certificate that confirms your maximum mortgage affordability before signing an offer to purchase. How much you can afford to borrow is largely based on your income and personal credit rating.
We’ll arrange the most competitive rates with the longest rate guarantee period of 120 days – if rates increase after the pre-approval certificate is issued, your rate will not be affected and if rates decrease, you will always get the the lower rate option. This protection or insurance rate policy is solely responsible for saving consumers thousands of dollars in a rate increasing market.
Below are the documents that would typically have to be provided to get an approval:
Income Verification for Employees
A. Letter of Employment – dated within 60 days
B. Recent Pay Stub – dated within 60 days
If income is hourly or highly variable (i.e. Investment Bankers, Nurses, Partners at Accounting/Law/Consulting Firms, Medical Professionals, Trades Workers, Sales Executives, etc.) lenders may also require the following:
C. Last two years T4 slips and/or Notices of Assessment (NOAs)
Income Verification for
the Self-Employed
A. Notice of Assessment – for the two most recent tax years
B. Personal Tax Returns (Complete T1 Generals) – for the two most recent tax years
C. Business License or Articles of Incorporation if applicable
