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How Mortgage Pre-Approval Works

Getting pre-approved is an important first step in the home buying process. 

A pre-approval allows you to understand how much “mortgage” you can afford as well as what your monthly mortgage payments will be. Getting pre-approved will help you to plan a budget and it also gives you the ability to lock in a great mortgage rate as you wait for the right house to buy. 

In order to get pre-approved you will need to speak with one of our SafeBridge Mortgage Agents who can walk you through this process. Typically, the pre-approval process involves meeting with a mortgage agent who then speaks with different lenders to see what mortgage products are available for you and what specific rates they can offer. 

Once your mortgage agent has found a good mortgage option and great rate they can “lock in” the interest rate which allows you time to shop for the perfect home without the fear of interest rates increasing. 

With a pre- approval, if the interest rates go down, the lender will honoro the lower rate when it comes time for your actual mortgage transaction. While a pre-approval is highly recommended, it’s important to remember that it is not a total guarantee that you will receive the stated rate. 

***The final rate relies on your most recent financial documents at the time you apply for your mortgage.

***Rates subject to credit approval and borrower qualification 

***Rates subject to change without notice

***Lender rules and conditions apply

Getting pre-approved is free and can save you time and money in the long run!

Click here to get pre-approved today!

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    Is a Pre-Approved Mortgage Right For You?

    Getting pre-approved is important especially in today’s competitive housing market. Speaking with a SafeBridge mortgage agent could save you time and money. 

    We have helped thousands of clients lock in great rates through our pre-approval program which gave them peace of mind while shopping for their new home. 

    A pre-approval is one step that doesn’t require a ton of time or energy but one that could save you a lot of headaches. 

    Our client  Katie worked with a SafeBridge mortgage agent and was able to lock in a fantastic fixed rate which put her mind at ease while she was shopping for the perfect home for her family. As a busy surgeon she valued the vast experience the SafeBridge team offered and felt as though they really listened to what her needs were and came up with strategic & timely solutions.

    Peace of Mind

    Once you get pre-approved you can take your time shopping for a new home knowing that your financing is in place.

    Lower Rates

    Let our team of mortgage agents shop the most competitive lenders to get you the lowest interest rate possible.

    The Benefits of Getting Pre-Approved

    Below are a few of the reasons we recommend that all of our clients take the time to get pre-approved. 

    Peace of Mind: Once you get pre-approved you can take your time shopping for a new home knowing that your financing is in place. 

    Lower Rates: Let our team of mortgage agents shop the most competitive lenders to get you the lowest interest rate possible. 

    Accessible: Getting pre-approved is simple, easy and effective. Speak with one of our mortgage agents today to find out how you can get pre-approved

    Get a Quote

    Refinance Your Home - SafeBridge Financial Group

    Why SafeBridge is the Safest Choice

    Why take the risk that interest rates might go up before you find your dream home. Let the SafeBridge mortgage team do the heavy lifting and get you pre-approved today. 

    When you get pre-approved you are giving yourself peace of mind knowing that you have locked in an interest rate and have options for your mortgage financing. 

    At SafeBridge we love helping our clients find the best rates, get pre-approved and take the guess work out of the mortgage process.

    Click here to speak with a mortgage agent.

    Apply for a Pre-Approved Mortgage With SafeBridge

    Click Here to apply for a pre-approval today!

    Apply Now
    Our Team - SafeBridge Financial Group

    Have Questions?
    We Have the Answers

    What happens if interest rates rise?

    If you have been pre-approved you can have peace of mind if interest rates start to rise as your rate has been locked in. In fact, rising interest rates make mortgage pre-approvals much more relevant and meaningful.

    How long does my pre-approval last?

    Once you have been pre-approved, your interest rate will be valid for up to 120-160 days depending upon the lender. Most lenders will also consider extensions to the traditional 120 day window on a case by case basis.

    How much time does it take to get pre-approved?


    Depending upon your mortgage needs, a pre-approval can happen as fast as 24 hours or could take up to a few days. Speak with one of our SafeBridge mortgage agents today to see what type of pre-approval you qualify for.

    Double Quotes

    Over the last 20 years we’ve been successful in attracting over 60 various lenders that our clients can benefit from. SafeBridge has evolved over the years and has become a very successful company…. The education, that comes along with not just the mortgage agent side of things, but also on the insurance and the investments and the financial planning all comes together in one holistic approach.


    Double Quotes

    For several years Andre has worked in the Financial Planning and Mortgage Solutions field with Scotiabank. After experiencing success, and gaining a wide knowledge base in the banking world, he decided to leave the bank to join a Boutique Mortgage Brokerage, Safebridge Financial Group.  Andre made the change so that he could offer clients a wider variety of mortgage options and lenders.

    Andre Persaud,

    Mortgage Agent

    SafeBridge Brokers & Advisors

    Meet the Team

    At SafeBridge we believe in experiencing growth together. We want to ensure that each of our agents is successful and feels a part of the SafeBridge team. We offer customized training, lender previews, team events and even team trips to build the strong culture of inclusion and support that so many of our agents enjoy.

    We believe it is essential to hire and Partner with the right people. We are looking for the best and brightest in the Industry to join our Exclusive Group of Professionals. Our team consists of loyal top producing Agents that have demonstrated exceptional care for their clients and passion for the industry in which they serve. Our Mortgage Centered Financial Planning approach helps our team foster long lasting relationships, which brings a unique process to the mortgage business.

    SafeBridge Partners
    Trusted by the
    Biggest Names in Mortgages

    With over 20+ years in the Mortgage Industry, SafeBridge has built a solid reputation in the industry and is well respected by all major lending partners. SafeBridge has partnerships with over 10 insurance providers in Canada and has access to hundreds of mortgage products.

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