Apply

Get pre-approved in minutes.

Tell me a little about yourself and I’ll start matching you with the right lenders. It’s free, fast, and there’s no obligation.

Secure online application

Ready now? Start your full application.

Apply through my bank-level-encrypted Newton Velocity portal — it takes about 5 minutes and goes straight to me for review.

Start My Application

Why start with a pre-approval?

A pre-approval tells you exactly what you can afford, can hold a rate for up to 120 days, and makes your offers far stronger in a competitive market.

  • Fast turnaround

    Most pre-approvals are completed within 24–48 hours of receiving your documents.

  • No cost to you

    My services are free for most clients — I’m paid by the lender once your mortgage funds.

  • 50+ lenders

    I shop banks, credit unions, and specialty lenders to find your best rate and terms.

No credit check required. Your information is kept private.

Book a Call

Pick a time.
I'll handle the rest.

Choose a spot that works for you and we'll talk through your situation — no credit check, no pressure, no cost. Most calls take about 15 minutes.

15 minutes, your scheduleEvenings and Saturdays available.
No credit check to talkJust a conversation about your options.
Advice costs you nothingThe lender pays me — you keep the savings.
Prefer to talk now?(416) 388-1505
TCTai ChauMortgage Planner · Agent Level 2
Booking live
Calendar not showing?Open my booking page