The Pre-Approval Engine

See which lenders would approve you — before you ever fill out an application.

This runs the same debt-service, stress-test and loan-to-value math a broker runs on your file, then tells you where you'd land across four tiers of Canadian lender. Nothing is submitted. No credit check. No email required.

Step 1 of 5 — Income

How do you earn?

Lenders treat income types very differently. This is the single biggest factor in which tier will take your file.

Your employment typeYour gross annual incomeYears in this role or businessCo-applicant gross annual income (0 if none)Residency statusExpected monthly rental income from the property (0 if none)

Salaried income with two or more years of history is the cleanest file type — every tier will consider it at full value.