Mortgage approval
Mortgage pre-approval in
Mississauga.
Know your real budget before you fall for a home. Answer a few questions and our team will match your file with the right lender.
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No credit check to get started
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Lenders compete for your file
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Hear back within one business day
Get pre-approved
8 quick taps. No credit check to start.
2014–2025
Royal LePage awards, every year
173
Google reviews, shown in full
Lifetime
Excellence award, Royal LePage
How pre-approval works
Approved, in
four steps.
01
Tell us about you
A few taps on income, down payment and timing. No credit check yet.
02
We shop the lenders
Banks and lenders compete for your file, so you see real options.
03
Get your pre-approval
A rate hold and a budget you can shop with confidently.
04
Buy with confidence
Your realtor and your mortgage plan work together, right through closing.
Run the numbers
Estimate your
monthly payment.
Set the price, down payment and rate to see your payment at any frequency, how much of it goes to interest, and your all-in monthly cost with property tax and condo fees.
Why get pre-approved here
One team, both sides
of the move.
■
Your real budget
Know what you can afford before you book a showing.
■
A stronger offer
Sellers take offers with financing in place more seriously.
■
Rate holds
Lock in a rate for up to 120 days while you shop, where lenders allow it.
■
Self-employed friendly
Lenders who understand business income, not just pay stubs.
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Renewals and refinances
Coming up for renewal? We'll compare before you sign.
■
No pressure, ever
Straight answers and no obligation to go ahead.
From our clients
Financing, in their
words.
“
Sarah and the Bernardo Real Estate team provided exceptional service for our mortgage renewal. Will use them again.
★★★★★
J. U.
“
Stan and his team are professional and knowledgeable in all things real estate. I have used Stan's expertise in obtaining a mortgage, seeking a new tenant and real estate deals.
★★★★★
Jason
“
Thank you to the entire team at Bernardo Real Estate for making our first time home buying process the best it could possibly be.
★★★★★
Elisabetta Sciortino
Read all 173 reviews →
Common questions
Answers, in plain
language.
Does getting pre-approved affect my credit?
Answering the questions on this page doesn't. A lender only checks your credit once you choose to apply, and we'll tell you before that happens.
How much do I need for a down payment?
In Canada the minimum is 5% on the first $500,000 and 10% on the portion above it, and 20% for homes of $1.5 million or more. 20% down also avoids mortgage default insurance.
How long does a pre-approval last?
Most lenders hold a pre-approval rate for 90 to 120 days.
I'm self-employed. Can I still qualify?
Yes. Some lenders specialize in business income. Tell us how you earn and we'll match you with the right one.
What documents will I need?
Usually ID, proof of income, proof of your down payment and details of your debts. We'll send you a short checklist.
Know your
budget today.
A few taps, no credit check to start, and an answer within one business day.