Apply online for a mortgage pre-approval and get an immediate response

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Apply online, call us or, set up a meeting to find out the maximum amount you may be able to borrow.

What is pre-approval?

Pre-approval means that a lender has stated in writing that you qualify for a mortgage loan based on your current income and credit history. A pre-approval usually specifies a term, interest rate and mortgage amount. A pre-approval is typically valid for a brief period of time and usually has a number of conditions that must be met.

Online Mortgage Pre-Approval

Get an online pre-approval to know how much you may be able to afford and start your house hunt with confidence.

  • Immediate response to your online application
  • No impact on your credit score when you submit your application online
  • Holds your mortgage rate for 120 days

Complete online, anytime, anywhere, in just five easy steps.

The Sunlite Mortgage 120-day rate hold

  • Once you have your pre-approval, we’ll hold your interest rate for the next 120 days subject to all the conditions.
  • If the interest rate on the term chosen in your pre-approval goes up, we will hold the rate we pre-approved you for if you meet all other conditions.
  • If the interest rate goes down during this time, you can ask to have your pre-approved interest rate adjusted to reflect the lower current rate.

New to Canada?

Some other things that will also be considered in your pre-approval process, is your credit score or whether you’re new to Canada. You may also qualify for a Mortgage even if you have no credit history1 if:

  • You are a Permanent Resident or have applied to become a Permanent Resident in Canada
  • And you have been in Canada for 5 years or less

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