Get Pre‑Approved Fast in Barrie, the GTA, Windsor, and anywhere in Ontario
We lock in competitive rates and issue written approvals so you can shop with confidence anywhere in Ontario.
Get Your Free ConsultationNo-hassle, No-obligation. Your info is safe, and you’re in control.
Our Ontario Lending Advantage
Fast
Lending Approvals
Low Rates
Some of the lowest rates anywhere
98%
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No-Obligation
free, no-hassle conversation
Why a Written Pre‑Approval Matters in Today’s Ontario Market
Whether you are bidding in Barrie’s south‑end subdivisions, touring Toronto‑area condos, exploring Windsor’s Walkerville neighbourhood or eyeing a Burlington townhouse, sellers expect proof you can close.
Our trusted and experienced Ontario mortgage team leverages long‑standing lender relationships to secure a firm rate hold, often within 24 hours, so you can negotiate with confidence while protecting yourself against sudden rate hikes.
FAQs for Mortgage Pre‑Approvals in Ontario
How long does it take to get a pre‑approval from your team?
We can usually issue a firm, written pre‑approval within one business day once we receive your income documents and credit consent. Because our office is digital, you can upload everything from your phone whether you are in downtown Barrie, Richmond Hill or Windsor’s riverfront.
How long is my interest rate held?
Most major Canadian lenders offer a 90‑ to 120‑day rate hold, giving you plenty of time to shop in competitive markets like the GTA or Burlington’s north end without worrying about a sudden rate jump. If your search goes longer, we will refresh the approval and extend the hold at no cost.
Will the amount on my pre‑approval match my final mortgage?
It usually does, but the final number can change if your financial picture or the property itself differs from the information we reviewed. For example, a rural home outside Windsor may require a higher down payment than an urban condo, which can lower the maximum loan amount.
Do I need my down payment in the bank before applying?
Lenders want to see that your minimum 5 percent (or more) down payment is available and sourced, but they accept RRSP withdrawals through the Home Buyers’ Plan or gifts from immediate family. We will walk you through what counts as acceptable proof in Ontario.
Can I transfer my pre‑approval if I change cities?
Absolutely. If you start shopping in Barrie but pivot to Burlington or Windsor, we simply update the property parameters and refresh your credit to keep everything current. Because we work with national and local lenders, your approval travels with you across Ontario.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100 percent accurate information.
