Instant estimate. See what you can afford in seconds, using real Canadian lender rules.
No credit check. Your estimate never touches your credit score.
A path to pre-approval. When you’re ready, we match you to the right lender or broker.
Down payment boost. Get up to $25,000 back from our commission, toward your savings.
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 pre-qualify 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
Get an instant, no-credit-check estimate of what you can afford, then turn it into a real pre-approval with Zown.
A quick, informal estimate of what you can afford, based on numbers you enter yourself. No documents and no credit check — the fastest way to know your budget before you shop.
Pre-qualification is a self-reported estimate. A pre-approval is formal: a lender verifies your income and credit and commits to an amount and rate. Get pre-qualified first, then pre-approved when you're ready to make offers.
Because it uses only the numbers you enter, pre-qualifying with Zown has zero impact on your credit score. A credit check only happens later, if you choose a formal pre-approval.
The estimate applies the mortgage stress test (rate + 2% or 5.25%), GDS ~39% / TDS ~44% limits, and CMHC insurance rules, so it reflects what a Canadian lender would actually consider.
When you're ready, book a call. Because our lending partner doesn't fit every buyer, we also work with brokers and match you to the right path for a formal pre-approval.
Buy with Zown and get 1% of the price back (up to $25,000) toward your savings, plus salaried agents who guide you end to end. No repayment, no strings.
Figures are current as of mid-2026 and change as rates and rules move. Sources include CMHC and the Department of Finance Canada. This is general information, not financial or mortgage advice.
Learn More
Common questions about getting pre-qualified, how it differs from pre-approval, and your credit.
Our team can help you understand your options and walk you through the numbers.