Project Options
Understand what homes you can afford and how much a lender is willing to finance—before you start shopping.
Credit Friendly Options
Pre-approvals work for a range of credit situations. We help clients across the spectrum prepare for lender review with no surprises.
Flexible Loan Terms
Your approval comes with flexible term options so you can explore rate holds, amortizations, and payment structures that work for you.
Quick Approval Process
Our team works fast—get pre-approved and ready to shop for your home within 24–48 hours.
Planning to Buy a Home Soon?
Smarter Mortgage Pre-Approvals Start Here
If you’re planning to buy a home soon, a mortgage pre-approval gives you clarity on what you can borrow—and locks in your interest rate while you shop.
We help you submit documents, run the numbers, and secure lender approval. You’ll walk away with a rate hold, budget, and peace of mind.
Apply today to start the mortgage pre-approval process.
Certified Team
Our team helps organize your documents and gets you pre-approved without the confusion.
Trusted Company
Thousands of Canadians rely on us to start their mortgage journey with clarity and confidence.
Apply For a Loan
Get Approved in a Few Simple Steps
Flexible Financing Options
Smart Home Shopping Starts Here
A mortgage pre-approval sets the tone for your home search—helping you act fast and bid with confidence. Don’t risk delays or missed opportunities.
With our team of Powerhaus Mortgage Experts, you’ll get a lender-reviewed approval that works for your lifestyle.
Apply today to start the process.
Frequently Asked Questions
Pre-qualification is a rough estimate without document checks. Pre-approval includes a full financial review and a written rate offer.
Most pre-approvals are valid for 90–120 days, depending on the lender.
Yes—a hard credit check is required for pre-approval. It’s a minor, short-term hit and a necessary part of the process.
You’ll need:
Recent pay stubs or income verification
Tax returns or T4s
Proof of down payment
Credit report (we'll run it for you)
Photo ID and SIN
Self-employed, contract, and gig workers can still get pre-approved. We’ll work with you to present the right documentation.
Changing jobs, opening new credit cards, or taking on new debt can impact your approval. It’s best to wait until your mortgage closes to make big moves.