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How can Homewise Help?

Tell us what type of financing you’re looking to save money on.

I’m looking at homes.
And I’d like to get pre-approved for a mortgage.

I’ve found a home.
And I’d like to get approved for the right mortgage.

I'm refinancing or switching.
And I’d like to switch to a better, money-saving mortgage.

What’s the difference between these financing options?

How soon are you looking to buy?

Help us understand your timeline, in case there’s a rush or a limitation to consider.

1
month

August

2-3
months

September/October

4-5
months

November/December

6+
months

January+

Why is it important to provide a precise date?

When is your closing date?

Help us understand your timeline, in case there’s a rush or a limitation to consider.

Why is it important to provide a precise date?

When is your refinancing date?

Help us understand your timeline, in case there’s a rush or a limitation to consider.

Why is it important to provide a precise date?

Is this the first home you’ve purchased?

First time homebuyers are eligible for a land transfer tax rebate.

Yes.
It’s my first time.

No.
I’ve bought before.

What benefits can First Time Home Buyers receive?

Where is your home?

More specific is better, an exact address would be great! Where you buy effects average market price, fees and taxes.

Where are you looking?

More specific is better, an exact address would be great! Where you buy effects average market price, fees and taxes.

Where is your home going to be?

More specific is better, an exact address would be great! Where you buy effects average market price, fees and taxes.

Why do we need to know location?

What is the anticipated price of your home?

A ballpark is fine, but more specific is better!

$
$

OR

%
Please note that downpayment between 5-19.9% is subject to CMHC insurance.

Why do we ask for the financials and downpayment for your home?

What is the price of your home?

Please be specific, this will end up being the amount you’re requesting.

$
$

OR

%
Please note that downpayment between 5-19.9% is subject to CMHC insurance.

Why do we ask for the financials and downpayment for your home?

What is the remaining mortgage principal for your home?

How much money is left on your mortgage that you are looking to refinance or switch?

$
$
%
$

Why do we ask for the financials and downpayment for your home?

How will you use this home?

Depending on it’s use, you may qualify for a larger mortgage or a lower rate.

Live in this home.
This will be my primary residence.

Rent this home to a tenant.
This will be a source of income.

Keep a second home.
I'll simultaneously own two properties.

Have a cottage
I'll use a second property occasionally.

Live here, and rent out part.
My home will be a source of income.

I am buying for a family member.
This will be their primary residence.

Why the use of your home matters for your mortgage.

What type of property is it?

This let’s us consider average maintenance costs, taxes and fees.

Condo

Duplex or Multi‑unit.

Single Family Home

Townhouse

Why your property type matters.

Tell us about yourself.

This information is required for approval and will help us build your profile.

Why do we need to ask for your personal information?

Tell us about your current home.

Tell us about your home.

This information is required for approval and will help us build your profile.

$

More Below

Since you've lived at your place for less than 2 years, we'll need your previous address as well.

We legally have to ask

Why we need to know your current living situation

Tell us about your job.

This information is important to finding your best mortgage as lenders consider earning growth potential, stability and other employment factors.

$
$

More Below

Since you've been at your job for less than 2 years, we'll need your previous job as well.

$
$

Why we need to know your job

Let’s think about your future. (optional)

This step will give us insight into which money saving features may be suited for you. Leave it blank if you are unsure.

Over the next 3 years, my household income will increase by 15%+.

Over the next 3 years, my family will grow.

I’d rather lower monthly payments now, even if it means paying more overall.

I’d like the lowest rate, even if it means more restrictions.

In financial decisions, I prefer high risk to get high reward.

Why are we asking these questions?

Will you be applying with someone else?

Having a co-applicant or a co-signer can affect the amount you could be approved for, and the rate you’ll receive.

I'm buying with a co-applicant
I have someone who will also be responsible for the mortgage and we'll both own the property.

I'm buying with a co-signer
I have an immediate family member who will co-sign the mortgage but not have any ownership.

I'm buying alone
I will be the only one financially responsible for this mortgage.

More Below

Tell us about co-applicant

More Below

Where does co-applicant live?

Tell us about co-signer

More Below

Where does co-signer live?

Why we ask about co-signers and co-applicants

Tell us about 's job.

This information is important to finding your best mortgage as we consider earning growth potential, stability and other employment factors.

$
$

More Below

Since has been at this job for less than 2 years, we'll need their previous job as well.

(Sorry, it's a legal thing! We have to ask.)

$
$

Why we need to know about your co’s job information

Tell us about your current finances.

By knowing about your assets and debts we better understand your financial situation.

$

$

$

$

$

$

$ total assets

Why we need to know about current assets and liabilities

The last thing!

Please let us know any other request, considerations or thoughts that you want to ensure that we know about your profile.

Hi!

You're 5 minutes away from the best mortgage.

With a few simple questions, we'll get to know you. Some are legally required, while a few others help us make useful recommendations to save you money!

Best mortgage - we negotiate with over 30 top lenders for you.

Free - get end-to-end support from an advisor and the best rates all for free.