Proper Pre-ApprovalLeads toSecure purchase
Estimated max purchasing power based on your income, debts & down payment
- Cristian has access to all the promotion rates from almost all the lenders.
Free · No obligation · No credit pull for this estimate
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Simple Process
How It Works
Three simple steps to know your buying power.
Tell us about yourself
Income, debts, and down payment — takes about 2 minutes.
We crunch the numbers
Quebec lending rules, stress test, and live broker rates applied.
See your buying power
Estimated max purchase price, personalized to your file.
We work with major lenders
Start Your Pre-Approval Right Now
About 2 minutes. Begin by choosing whether you apply alone or with a co-applicant.
Step 1 of 6
Applicants
Will anyone apply with you?
COMMON MISCONCEPTION
Why most people start at a bank — and why that's limiting.
Most buyers begin by checking one bank at a time.
That approach feels logical — but it quietly limits your options and leverage.
Banks only show their own products
Comparing offers in isolation means you never see the full market.
Approval doesn't mean the structure is right
Rate, term, penalties, and flexibility matter long after closing.
Comparing one by one costs time — and leverage
Each bank negotiates knowing you're only seeing their side.
Top Big Bank Rates — Today
When an application is structured correctly, lenders compete — and pricing improves.
Rates vary by credit, down payment, property, and structure. Not a commitment or offer.
| Lender | 3-year fixed | 5-year fixed | 5-year variable |
|---|---|---|---|
Cristian's RateLIVE Through broker access | 3.99%as low as | 4.14%as low as | 3.60%as low as |
| CIBC | 6.64%↑ +2.65% | 6.49%↑ +2.35% | 4.45%↑ +0.85% |
| Desjardins | 5.99%↑ +2.00% | 6.09%↑ +1.95% | 4.45%↑ +0.85% |
| National Bank | 6.05%↑ +2.06% | 6.09%↑ +1.95% | 4.45%↑ +0.85% |
| RBC | 6.05%↑ +2.06% | 6.09%↑ +1.95% | 4.45%↑ +0.85% |
| Scotiabank | 6.05%↑ +2.06% | 6.09%↑ +1.95% | 4.90%↑ +1.30% |
Last refreshed: May 20, 2026
My role is to help you see the full picture — and negotiate the right outcome before you commit.
Ready to take the next step?
Have questions? Talk to Cristian directly.
Free consultation. No pressure. Just clear, honest advice on your mortgage situation.