Why prepare early
A conversation before you shop
Starting the mortgage conversation before you shop gives you a clearer picture of budget, timeline and the steps ahead. It does not commit you to a product.
Planning a home purchase
Understand the mortgage steps that may form part of a planned home purchase and prepare questions before beginning a complete application.
What a mortgage conversation can cover
- how a purchase amount is assessed
- the difference between an early discussion, a pre-approval and final lender approval
- term and rate-structure options in plain language
- costs that sit outside the mortgage itself
Costs beyond the mortgage
- down payment
- legal fees
- appraisal and inspection
- provincial land-transfer tax where applicable
- moving and ongoing carrying costs
Why work with a broker
Mortgage guidance built around your options
A mortgage broker can help you review available options from multiple lenders, understand lender requirements, and compare solutions based on your goals, income, credit profile, down payment, property type, and long-term plans.
No broker can guarantee approval, a specific rate, or that every borrower will qualify. The goal is to help you understand your options before you commit.
Read more about working with a brokerConsider:
- your general timeline and the type of property you are considering
- the difference between an early conversation, a pre-approval and a final lending decision
- when detailed financial information and documents may be required through the mortgage application
Protect sensitive information
Use the right channel for each step.
Use the public contact routes only for a general objective and contact details. Do not email or submit financial documents, identity records, credit information, or detailed debts.
See how the process worksChoose your next step
Ask a general question or continue to the mortgage application.