Why Use a Broker

Why Use a Mortgage Broker?

With access to over 50 lenders and the strength of a team that funds nearly $3 billion in mortgages annually, I have access to all lenders on your behalf to help you find competitive mortgage rates, flexible terms, and solutions tailored to your needs.

Whether you’re a first-time home buyer, purchasing your dream home or vacation property, renewing your mortgage, refinancing, or accessing home equity for renovations or debt consolidation, I’ll compare options from multiple lenders to help you find the right mortgage solution for your financial goals

Negotiating Power

When you have pre-approval, you'll have more negotiating power with sellers, as they'll know that you're a serious buyer who has already been approved for a mortgage. This can help you get a better deal on the price of the home.

Faster Closing Process

Pre-approval can help speed up the closing process once you find a home you want to buy. Since you've already been approved for a mortgage, there will be fewer obstacles to overcome during the underwriting process.

Peace of Mind

Pre-approval can give you peace of mind that you're on the right track and that you'll be able to get a mortgage when you're ready to buy a home. This can help reduce stress and anxiety during the home-buying process.

How to Get Mortgage Pre-Approval

Managing your finances can be complex, whether you’re buying a home, renovating, or working towards other financial goals. As a trusted mortgage broker, we make it simple.

We provide transparent, independent advice and access to various mortgage options beyond what traditional banks offer.

Having helped 100,000 Canadians achieve their financial goals, we’re here to support you in reaching yours.

Mortgage Pre-Approval Process

Securing a pre-approval is a valuable first step in your home purchase process. Once you’ve found a home you love, this preparatory measure significantly accelerates your progression toward home ownership.

01 Application

Gathering some basic information? We’ll help you put together your application for mortgage pre-approval.

02 Shop Rates

We have over 50 lenders available to secure your pre-approval, and we’ll ensure we find the right options for you.

03 Discuss Options

In presenting you with the options, we’ll explain the terms of each one, answer your questions, and help you make an informed decision.

04 Obtain Pre-Approval

After submitting your application, approval usually comes within 24 hours. You’ll receive a letter from the lender outlining the mortgage pre-approval specifics.

Frequently Asked Questions

What is a Mortgage Pre-Approval?

A mortgage pre-approval provides you with a specific dollar amount that you can afford to spend on a home. By going through this process with Alain Gagnon, lenders and sellers will know you are serious about buying when it’s time to make an offer. In highly competitive real estate markets, a buyer may need to act fast; a pre-approval helps you do so!

What are the requirements for getting a mortgage?

To qualify for a mortgage, most lenders require that you can show them you are financially capable of paying back the loan. They will look at factors such as your income, credit score, and down payment percentage when determining how much they will lend you. Working with a mortgage broker means we can connect you with various lenders who will have different requirements regarding their lending policies.