Mortgage Pre-Approval in the GTA
Don’t shop for a home with a number you made up. Get a real pre-approval first.
There’s a difference between a bank’s online “rate hold” and a real mortgage pre-approval. One gets you nothing when you put in an offer. The other gives realtors and sellers confidence that your financing is solid — which can be the difference between winning a multiple-offer and losing it.
I’m Kevin Singh Dhaliwal, a GTA mortgage broker with 12+ years of experience. I’ll pull your credit, verify your income, and put together a real pre-approval through one of my A lenders so you can shop with a firm number and a held rate.
What a Real Pre-Approval Gets You
- A maximum purchase price backed by an actual lender, not an online calculator
- A rate held for 90–120 days so you’re protected if rates rise during your search
- A pre-approval certificate you can show your realtor and include with offers
- Clarity on monthly payments, closing costs, and total cash needed to close
- Identification of any credit or income issues before you’re under contract
What I Need From You
- Two most recent pay stubs (or two years of T1 Generals if self-employed)
- Most recent Notice of Assessment
- Employment letter
- Proof of down payment source (bank statements, gift letter, RRSP, FHSA)
- Government-issued ID
- Authorization to pull your credit bureau
Most pre-approvals are turned around in 48–72 hours once I have your documents.
Why Work With Me
- 12+ years as an active GTA mortgage broker
- Access to every major bank, credit union, and monoline lender
- Real pre-approvals with held rates, not just online rate-holds
- Honest advice on how much you should borrow, not just how much you can
- Backup private lender options if your income or credit needs alt-A placement
My Process
- Discovery call — 20 minutes, no cost. Tell me your timeline and what price range you’re thinking.
- Document collection — I send you a simple checklist; most clients upload everything in one evening.
- Pre-approval submission — I submit to the lender most likely to fund your file and get the rate held.
- Shop with confidence — I’m a text away when you find a property and need to firm up.