From first call to keys.
Seven steps, in plain language. You will always know where your file is, what is next and what we need from you.
7 steps · first call to fundingSeven steps, no surprises.
Purchases typically take two to six weeks from offer to funding. Renewals and switches can be faster.
Discovery call
Your goal, province, timeline, property, income, credit and available down payment or equity.
Document checklist
A list built for your borrower type, so nothing holds the file up later.
Pre-approval & strategy
Affordability at the stress-test rate, payment scenarios and the lenders that fit.
Compare options
Fixed vs variable, term, payment frequency, prepayment, portability and penalties.
Submit application
With your consent, the file goes to the chosen lender with full documentation.
Lender review & conditions
Income, down payment, appraisal and insurer conditions are confirmed and cleared.
Closing & funding
Final documents, your lawyer or notary, closing costs and funding on possession day.
Gather once, gather right.
Pick your borrower type and tick off what you have. Most delays come from one missing page.
Closing day, calm.
Once lender conditions are met, your lawyer or notary takes over the legal side. Reading each document early keeps the final week quiet.
- Confirm every lender condition is signed off
- Set aside closing costs and adjustments
- Review the mortgage documents with your lawyer or notary
- Confirm funding and possession timing
A clear plan before you sign anything.
Buying, renewing or refinancing — a 30-minute review shows your options, the trade-offs and the documents to gather first. No obligation.