Get a real answer about what you qualify for.

Where enough information is available, you receive a written What to Expect planning summary: an illustrative purchase-price range, your down-payment position, estimated monthly carrying cost, an Ontario closing-cost estimate, a documentation roadmap, realistic lender categories and specific next steps. It is a planning summary, not a pre-approval, commitment, rate quote or lender decision.

No. A detailed qualification review is not a mortgage application, pre-approval, commitment or guarantee of financing. It is a structured way to put your real numbers and documentation in front of a licensed mortgage professional so you get a substantive answer instead of an automated estimate. When you are ready to apply formally, you are directed to our brokerage’s secure application portal.

Because documentation is what separates an estimate from an answer. How your income is earned, declared and verifiable determines what a lender will use, and that is frequently different from the number you would type into a calculator. Reviewing your income confirmation and down-payment proof up front is what allows a meaningful response rather than a range of guesses.

Provide complete information and the requested documents, and a mortgage professional will review your scenario and respond within one to two business days. That response is a review of your situation, not an approval, rate quote or lender decision. If something is missing or unclear, you will be contacted using the method you selected.

No. Nothing in this form performs a credit check. The credit score field is your own estimate and is used only for context. If a formal credit inquiry becomes necessary later in the process, it happens with your separate, explicit consent, not through this form.

Answer honestly. A difficult credit history changes which lenders and programs are reviewed; it does not end the conversation. Alongside prime lending, alternative and B-lending solutions and provincially regulated credit unions are considered where appropriate, subject to lender policy and underwriting. An accurate picture produces useful advice; an optimistic one wastes everybody’s time.

By email, separately from the form. Submit the form first and you will be given a short reference code on the confirmation screen. Email your documents to cornell@ncompassfinancial.ca with that code in the subject line so they are matched to your file. Documents are deliberately not uploaded through this website.

Black out your Social Insurance Number and any full account numbers. Account balances, names, dates and institution names should remain visible so the documents are usable. Never send account passwords or banking login credentials. No legitimate mortgage professional will ask for them. Standard email is not an encrypted channel, so send only the documents requested, with those redactions, and nothing further.

They are received directly by your mortgage agent and are not stored on this website or passed through any third-party form service. They are used to review your mortgage scenario and are shared with lenders only where you have consented and it is necessary to explore your options. If you would prefer not to email them, book a consultation and another method will be arranged. See the privacy policy for full detail.

Often, yes. A bank pre-approval reflects one lender’s policies and one product shelf. A review through a mortgage brokerage compares your scenario across multiple lenders, including monolines, credit unions and alternative lenders, and identifies where your particular income type, credit profile or property is treated more favourably. There is no cost to a second look.