Get pre-approved for a mortgage.
See what you could be pre-approved for, then book a call with an advisor who matches you to the right lender.
Know your budget fast. Get a Canada-accurate estimate now, then a real pre-approval with an advisor.
Matched to the right lender. Not everyone fits one lender. We match you to a partner or a broker.
Down payment boost. Get up to $25,000 back from our commission, toward your savings.
No credit check to start. Your estimate never touches your credit score.
What do you earn?
Your total household income, before taxes.
What do you owe?
Your total monthly debt payments — car, credit cards, loans.
Skip rent and utilities. Just the debts you pay down each month.
What have you saved?
The cash you'll put toward your down payment.
You could get pre-approved for around
$430,000
Buy with Zown, get cash back
An estimate to get you started, not a mortgage approval. Your advisor confirms the details.
Canada
Mortgage pre-approval in Canada, explained
What a pre-approval is, how to get one, and how Zown helps you turn an estimate into a real offer sellers take seriously.
Pre-approval vs pre-qualification
A pre-qualification is an informal estimate from numbers you enter yourself, with no credit check. A pre-approval is formal: a lender verifies your income and credit and commits to an amount and rate. Start with the estimate above, then get pre-approved when you're ready to shop.
What you need
Proof of income (pay stubs, a T4, or a Notice of Assessment if self-employed), proof of your down payment (usually 90 days of statements), government ID, and details of any debts. Your advisor tells you exactly what your lender needs.
How lenders decide
Lenders cap housing costs (GDS ~39%) and total debts (TDS ~44%) against your income, and the stress test qualifies you at your rate + 2% (or 5.25%). Your estimate above already applies all three.
How long it lasts
Most pre-approvals hold your rate for 90 to 120 days. If you haven't bought by then you can usually renew, so a pre-approval protects you from rate increases while you search.
Your credit
A formal pre-approval usually involves a hard credit check, which can dip your score a few points temporarily. Getting your estimate with Zown does not affect your credit at all.
The Zown difference
Pine, our lending partner, doesn't fit every buyer, so we also work with mortgage brokers and match you to the right path. Buy with Zown and get 1.25% of the price back (up to $25,000) toward your savings.
Figures are current as of mid-2026 and change as rates and rules move. Sources include CMHC, the Department of Finance Canada, and major Canadian lenders. This is general information, not financial or mortgage advice.
Learn More
Mortgage pre-approval questions, answered
Common questions about getting pre-approved, documents, and how it affects your credit.
Still have questions?
Our team can help you understand your options and walk you through the numbers.