Buying a Home? Know Your Numbers Before You Make an Offer.
Whether you're buying your first home, moving to your next one, or purchasing an investment property, understanding your mortgage options before making an offer can help you shop with confidence.
"Being a first time buyer I was nervous but Gian helped us and gave a very good service. Thank you Gian for wonderful service."
Jagjit Singh
Google Review · Verified
Where Are You in Your Homebuying Journey?
Choose the path that fits your situation for a more personalized experience.
First-Time Homebuyer
Buying your first home can feel overwhelming. We'll help you understand your down payment, qualification, monthly payments and available mortgage options.
Explore First-Time Buyer OptionsMoving or Buying Again
Whether you're upsizing, downsizing or relocating, we'll help you understand how your existing mortgage, equity and new purchase work together.
Plan My Next MoveInvestment Property
Planning to purchase a rental property? We'll review financing options, down payment requirements and how rental income may affect qualification.
Explore Investment FinancingKnow Your Numbers Before You Start Shopping
A mortgage pre-approval is about more than simply getting a rate. It's understanding the full picture of what you can comfortably afford.
How Much Can I Afford?
Review income, debts, down payment and other factors that affect mortgage qualification.
How Much Down Payment Do I Need?
Requirements can vary based on purchase price, property type and mortgage program.
What Will My Payment Be?
Understand approximate mortgage payments before committing to a property.
What Other Costs Should I Plan For?
Closing costs such as legal fees, land transfer tax, appraisal, adjustments and other potential expenses.
What Can You Afford on Your Purchase?
Enter your income, down payment and monthly debts to see your estimated maximum purchase price, mortgage payment and buying power.
Car loans, credit cards, lines of credit, etc.
Based on a 25-year amortization at a qualifying rate of 6.29% (stress-tested).
This is an estimate for illustration only and is not a mortgage approval or commitment. Estimates use standard Canadian qualification ratios (GDS 39% / TDS 44%) and a stress-tested qualifying rate. Actual qualification depends on your credit, income, the property, the lender and insurer guidelines. O.A.C.
More Lenders. More Options.
Your mortgage shouldn't be limited to the products offered by one bank. We compare options from a variety of lenders to help find a mortgage that fits your needs, goals and financial situation.
Because the right mortgage is about more than just the rate.
Major Banks
Canada's largest financial institutions.
Credit Unions
Regional lenders with flexible guidelines.
Monoline Lenders
Mortgage-only specialists with competitive products.
Alternative Lenders
Solutions for unique income or credit situations.
"The right mortgage isn't always the one with the lowest advertised rate. We'll help you compare rate, payment, prepayment privileges, penalties, flexibility and overall fit."
Compare My Mortgage OptionsNot Every Mortgage Fits Inside a Box
Different income and financial situations may require different mortgage strategies.
Self-Employed
Stated-income and alternative documentation programs for business owners and contractors.
New to Canada
Specialized programs for newcomers and permanent residents building Canadian credit history.
Credit Challenges
Alternative lenders and strategies for situations where credit isn't perfect.
Variable or Commission Income
Programs that account for fluctuating or performance-based earnings.
First-Time Buyers
Down payment rules, rebates and programs designed for your first purchase.
Rental Property Buyers
Financing options for rental and investment property purchases.
What Will I Need for a Mortgage Pre-Approval?
Income
- Recent pay stubs
- Employment letter
- T4s when required
Down Payment
- Bank/investment statements
- Gift documentation when applicable
- Sale proceeds from another property when applicable
Identification
- Government-issued identification
Other Documents
- Additional documents may be required depending on employment type, property, lender and mortgage program.
Don't worry if you don't have everything yet. We'll let you know exactly what's required for your situation.
Start My Pre-ApprovalFrom Pre-Approval to Keys
Tell Us About Your Goals
Learn about the property you're looking for, your income, down payment and financial goals.
Understand Your Buying Power
Review qualification, estimated payments and available mortgage options.
Shop With Confidence
Once you understand your numbers, you can search for a home with a clearer budget.
Finalize Your Mortgage
Once you have an accepted offer, we'll work through the mortgage approval and lender requirements through closing.
Mortgage Strategy Backed by Experience
"The goal isn't simply to get you a mortgage. It's to help you understand your options and make a mortgage decision that fits your financial goals."
Gian Manalastas
Mortgage Agent Level 2 · Tribe Financial Group
What Homebuyers Say
Real Google reviews from first-time buyers and purchase clients.
Being a first time buyer I was nervous but Gian helped us and gave a very good service. Thank you Gian for wonderful service.
Jagjit Singh
May 2026 · Verified Google Review
I had a great experience working with Gian for my first mortgage. He was on top of everything from start to finish and made the whole process feel easy and stress-free. Highly recommend!
Kia Soze
Apr 2026 · Verified Google Review
Gian is so helpful, patient and helped us obtain a mortgage. He guided us and did amazing work. Thank you Gian!
Sunny
May 2026 · Verified Google Review
Working with Gian was an exceptional experience from start to finish. He demonstrated professionalism, kindness, and genuine care. He even made a home visit to ensure everything aligned with our expectations.
Lechelle Reynolds-Leila
Apr 2026 · Verified Google Review
Get Pre-Approved & Shop With Confidence
We'll review your application, income, credit and available lender options to help you understand your potential buying power and next steps.
130-Day Rate Hold Protection
Lock today's rate while you house-hunt. If rates drop before you close, we re-lock lower.
We Handle the Paperwork
From application to closing — we coordinate with the lender, realtor, and lawyer for a seamless purchase.
No Brokerage Fees on Prime Mortgages
Lenders pay our fee directly, so you pay $0 for expert advice and lender shopping.
Credit Review
A credit review can provide a more complete picture of your mortgage qualification and available lender options.
Need Immediate Guidance?
Our purchase desk is available Monday–Saturday 8am to 8pm EST.
Frequently Asked Questions
Common questions from Ontario homebuyers.
Ready to Start Your Home Search?
Start by understanding what you may qualify for, what your payments could look like and which mortgage options may fit your situation.