See what you pre-qualify for.
Get an instant, no-credit-check estimate of what you can afford, then turn it into a real pre-approval with an advisor.
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
Mortgage pre-qualification in Canada, explained
Get an instant, no-credit-check estimate of what you can afford, then turn it into a real pre-approval with Zown.
What pre-qualification is
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 vs pre-approval
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.
No impact on your credit
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.
Built on real lender rules
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.
What happens next
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.
The Zown difference
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
Pre-qualification questions, answered
Common questions about getting pre-qualified, how it differs from pre-approval, and your credit.
Still have questions?
Our team can help you understand your options and walk you through the numbers.