A confirmed buying power
You start house hunting with an amount a lender has reviewed, not a back-of-the-napkin estimate. Your showings stay focused on homes that truly fit your monthly budget.
Mortgage pre-approval · Montréal
Know what you can actually buy
A pre-approval confirms your budget before the showings. You shop with a real number, not a rough guess.
* Our services are free for residential mortgages.
Guided by
Équipe Premium Multi-Prêts
Pre-approval file
Step 2 of 4
- Meeting
- Documents
- Shopping
- Letter
You always know where your file stands, from the first call to the pre-approval letter.
More than 20 lenders compared
01
Why get pre-approved
A clear number, before you fall in love
Pre-approval comes before the showings. It replaces guesswork with an amount a lender has actually reviewed.
Terms held while you search
The lender holds the rate you obtained for a set period while you look for the right home. If the market moves during that window, your numbers stay put.
An offer that holds up better
A seller reads an offer differently when the financing has already been worked out. Your real estate broker comes to the table with a prepared file instead of an intention.
Équipe Premium Multi-Prêts
Behind every pre-approval is a team that shops on your behalf, instead of one bank counter.
Our mission is to find the best mortgage conditions for you. In a moving market, we analyze your needs well beyond the rate and our advice is tailored to your situation. In just one appointment, we shop for you with more than 20 lenders: you have access not only to financial institutions with storefronts but also to several other lenders you wouldn't otherwise have access to. Our services are free* and we work in your best interest: our priority is you. * Residential mortgages.
Note: a pre-approval is not the final approval. Any purchase offer remains conditional on financing, which depends on your file and on the property you choose at the time of purchase.
The process · 4 steps
Four steps, no surprises
From the first meeting to the pre-approval letter, you always know where your file stands.
Meeting and goals
We go through your budget, down payment and timeline. You leave with a clear picture of your borrowing capacity.
Documents gathered
Proof of income, notices of assessment, statements. We tell you exactly what to send, nothing more.
Shopping the lenders
We compare more than 20 lenders, including several you could not reach on your own.
Pre-approval letter
You receive your amount and conditions in writing. A purchase stays conditional on final financing.
Have ready
Pay stubs
Notices of assessment
Bank statements
Proof of down payment
See the full document checklist
Tools · Estimates
Run your monthly numbers before we meet
The result is an estimate. Your real terms depend on your file, the property and the lender we choose: we confirm them together, numbers in hand.
File preparation
In progress
- Your numbers: down payment, income, debts
- Your documents gathered
- The meeting with a mortgage broker
Fixed rate◆
Variable rate◆
Down payment◆
Stress test◆
Term length◆
Amortization◆
Payment frequency◆
Borrowing capacity◆
Adjust price, down payment and amortization to see the effect on the payment. Bring us the scenario that speaks to you: we start there.
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Mortgage calculator
The full-page version, to line up several scenarios side by side.
02
Transfer tax
The amount to plan for after signing at the notary.
03
Already an owner, term ending soon
Our specialty: preparing the renewal well before the maturity date.
Estimate the welcome tax One more calculation to add to your upfront budget.
The Premium team
One team, only one way to rise. your file
Your application is prepared by a mortgage broker authorized by the AMF, who knows your file inside out.
One contact, from the first call to the pre-approval letter
Client reviews
Words sent to us after signing
Client messages, published exactly as written. No scores, no staging.
« Merci pour votre temps et de vos judicieux conseils relativement à ma situation financière dans le but d’acquérir une première propriété. Vous m’avez présenté un portrait fidèle des étapes et des critères pour mener à bien un tel achat.
Emilia
« Nous avons signé l'acte de vente et tout s'est bien déroulé; nous sommes officiellement propriétaires du triplex! Je tenais à vous remercier pour tout le temps que vous nous avez consacré. Nous n'allons pas hésiter à vous recommander!
Olivier et Sophie
We simply wanted to say thank you for your diligent work in the last few days. We know it was not easy considering the short timeframe. We certainly won't hesitate to recommend you and Multi-Prets to anyone who asks in the future.
Verity and Viktor
Read every testimonial
Our services are free* for our clients. * Residential mortgages.
Frequently asked
What people ask us most
Case outside the usual mould? Self-employed, rental income, separation, term coming due: call us and we'll look at the file with you.
Talk to a broker
(514) 317-2800
What is a mortgage pre-approval?
A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a rate held for a set period, usually 90 to 120 days.
What's the difference between a fixed and a variable rate?
A fixed rate stays the same for the whole term, which keeps payments stable. A variable rate moves with the Bank of Canada's policy rate: it can work out cheaper, but it carries more risk.
How much of a down payment do I need?
In Canada, the minimum down payment is 5% on properties under $500,000, 10% on the portion between $500,000 and $1M, and 20% on properties over $1M. I can help you look at your options.
How long does my pre-approval stay valid?
The hold period is set by the lender you choose and varies from file to file. We confirm it in writing when the pre-approval is issued, with its expiry date.
If you're still looking when it runs out, we reassess it with your updated documents. A change in income, debt or down payment can shift the amount.
What documents should I get ready?
Usually: proof of income, your notices of assessment, photo ID and the source of your down payment. The list changes depending on whether you're salaried, self-employed or own an income property.
We send you the list that fits your situation before the meeting, so nothing goes back and forth.
Preparing your financial documentsA pre-approval is not a final approval: that depends on the property you choose and the documents the lender receives. Conditions vary from one file to the next.