Why get pre-approved through Mortgage Made Better
Know your true buying power
We calculate the maximum mortgage 30+ lenders will approve for you — not a rough online estimate.
90 – 120 day rate hold
Lock in today's rate while you shop. If rates go up, you're protected. If they drop, you get the better rate.
Stronger offers, faster closings
Sellers take pre-approved buyers more seriously. Financing conditions come off with confidence.
One credit pull, many lenders
We shop your file across banks, credit unions, and monolines — your credit is only checked once.
Self-employed & complex income welcome
Contract, commission, bonus, rental, and business income are our specialty — not an exception.
A real human on the phone
You get a licensed broker, not a call centre. Direct line, evening & weekend availability.
How pre-approval works
- 1
Book a free call
Pick a time that suits you — phone, Google Meet, or in person at our Scarborough office.
- 2
A licensed broker reviews your file
We look at income, credit, debt, and down payment — then match you to the right lender.
- 3
You receive a written pre-approval
Includes the maximum mortgage amount, rate held for 90 – 120 days, and estimated monthly payment.
- 4
Shop with confidence
When you find the home, we move to final approval quickly — often within days.
Frequently asked questions
Is a pre-approval the same as a final approval?
No. A pre-approval confirms how much you can likely borrow based on your income, credit, and down payment. Final approval is issued once you have an accepted offer on a specific property and the lender has reviewed the property details and appraisal.
Does a pre-approval affect my credit score?
A pre-approval involves a credit check, which causes a small, temporary dip. Working with a broker means only one credit pull is used across multiple lenders, protecting your score.
How long is a pre-approval valid?
Most lenders hold the pre-approved rate for 90 to 120 days. If you don't buy in that window, we simply refresh it.
What documents do I need?
Typically: government ID, recent pay stubs (or T1 Generals / NOAs if self-employed), a recent T4, proof of down payment, and a summary of current debts. We'll send you a personalized checklist.
Can I get pre-approved if I'm self-employed?
Yes. We specialize in self-employed applications and work with lenders who use stated-income, bank-statement, and business-income programs designed for entrepreneurs.
What if my credit isn't perfect?
We work with prime lenders, credit unions, and alternative lenders. Even with recent credit challenges, there are usually options — the pre-approval process tells us exactly what's available.
Get started
Book your no credit check pre-approval call.
The conversation is free. No pressure, no obligation. Pick a time that suits you and talk to a licensed broker — you'll know your budget by the end of the call.
Book your free call
Takes about 60 seconds. Choose how you'd like to meet and a day — you'll see open times next.
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