Get your mortgage pre-approved within 48 hours
- Increase credibility with the seller
- Lock in an interest rate of 60 to 120 days
Mortgage Pre-Approval: Your First Step to Homeownership
Buying a home is one of the most exciting, and often overwhelming, financial decisions you will ever make. At Brevity Mortgages, we’re here to simplify the process and help you take the first step toward securing your dream home with confidence.
What is Mortgage Pre-Approval?
Mortgage pre-approval is the process where a lender evaluates your financial situation to determine the amount, they are willing to lend you for a mortgage. It provides you with a clear picture of what you can afford, allowing you to confidently start house-hunting within your budget.
Contact NowWhy is Pre-Approval Important?
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Know Your Budget
Pre-approval tells you exactly how much you can borrow, so you don’t waste time looking at homes outside of your price range.
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Competitive Advantage
Sellers prefer working with buyers who are pre-approved because it shows you are financially serious and capable of closing the deal quickly.
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Faster Home Search
With pre-approval, you can focus on homes that meet your financial criteria, reducing stress and saving time.
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Simpler & Quicker Loan Process
Once you’ve found the home of your dreams, your pre-approval makes the mortgage application process faster and more straightforward.
What You’ll Need to Get Pre-Approved
To streamline your pre-approval process, you’ll need the following documents:
- Proof of Income
- Credit History
- Assets
- Employment Information
Recent pay stubs, tax returns, or other income documentation.
We’ll review your credit report to assess your financial reliability.
Bank statements, investment accounts, or other proof of assets.
Your current employer details and employment history.
Steps & Process
Easy Approval Process
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Application
Approval
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Check Your EligibilityFAQ
Frequently Asked Questions
No, mortgage pre-approval does not guarantee final approval. Final approval depends on the property details, income verification, credit review, and lender conditions.
Most mortgage pre-approvals in Canada are valid for 60 to 120 days depending on the lender.
Mortgage pre-approval helps buyers understand their budget, estimate monthly payments, lock in an interest rate, and strengthen their offer when purchasing a home.
A mortgage pre-approval may include a credit check, which can temporarily affect your credit score slightly.
Lenders may request proof of income, employment documents, tax returns, identification, banking information, and details about debts or assets.
