START YOUR HOMEOWNERSHIP JOURNEY
Know your buying power before you start searching for your new home. We’ll help connect you with a trusted mortgage professional so you can explore your options with confidence.
Start your Homeownership Journey
Getting pre-approved helps you understand your potential purchasing power before choosing a community, lot or home. That means less guesswork and more confidence when you’re ready to move forward.
Understand the price range that may work for you.
Focus on homes and communities that fit your financing.
Get a clearer idea of potential mortgage payments and down- payment requirements.
Depending on your lender, you may also have access to a temporary rate hold while you shop.
Understand the difference
A helpful starting estimate.
Usually based on financial information you provide and can give you an early idea of what you might be able to afford.
A more detailed financial review.
A lender may review your income, assets, debts, supporting documents and credit history to determine how much they may be willing to lend.
simple from the start
Complete the short form below and let us know where you are in your buying journey.
We’ll help connect you with a mortgage professional who can discuss your financing options.
Your mortgage professional may request income, employment, down-payment and debt information to assess your application.
Once you understand your potential budget, explore Kapish Homes, communities and available lots that fit your goals.
PLAN AHEAD
Use our mortgage calculator to get an idea of what your monthly payments could look like. Adjust the details below to see how different home prices, down payments, and rates can fit your goals.
See how different scenarios impact your monthly payment.
Adjust the numbers to find what works for your budget.
Get pre-approved to turn your plans into a reality.
Be prepared
Government-issued identification.
Recent pay stubs, employment information or other income documentation.
Information showing where your down-payment funds are coming from.
Bank, savings or investment information where required.
Car loans, student loans, credit cards, lines of credit and other obligations.
Additional documentation such as recent CRA Notices of Assessment may be requested.
Be prepared
New-home buyers may have access to financing options or government programs that are different from those available when purchasing a resale home.
Eligible insured mortgages can have amortization periods of up to 30 years for first-time buyers and/or buyers purchasing a new build, potentially reducing monthly payments compared with a shorter amortization.
Eligible first-time buyers purchasing newly built homes may qualify for a federal rebate of up to $50,000, with the full federal GST potentially recoverable on qualifying homes valued at $1 million or less and a reduced amount up to $1.5 million.
Eligibility requirements apply. Government programs and lending rules may change.
YOUR HOME. YOUR CHOICE.
Perfect. You are always welcome to work with your own lender or mortgage professional. If you don’t have one yet, Kapish Homes can help connect you with a trusted mortgage professional familiar with new-home purchases.
We’ll help guide you to a trusted mortgage contact.
Great continue your home search with your preferred financing partner.
financing, made clearer
No. A pre-approval gives you an indication of how much a lender may be willing to lend based on the information reviewed. Final mortgage approval remains subject to the lender’s requirements, the property and your financial circumstances.
A lender may perform a credit check as part of the pre-approval process. Ask your mortgage professional what type of credit inquiry will be required before proceeding.
It depends on the lender. Some lenders may also offer an interest-rate hold for a defined period. Your mortgage professional can confirm the applicable expiry date and terms. FCAC notes that rate holds can vary by lender. Canada
Not necessarily. Mortgages with less than a 20% down payment are generally insured and are subject to applicable qualification and minimum down-payment requirements
Absolutely. In fact, understanding your potential budget first can make it easier to select the right home, lot and community.
Yes. Your mortgage professional may simply require additional income documentation, such as CRA Notices of Assessment or business-related information.
No. You’re welcome to use your own bank, mortgage broker or lender.
Start your Homeownership Journey
Know your buying power before you start searching for your new home. Kapish Homes will help connecting you with a trusted mortgage partner so you can explore your options with confidence.
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