Pre-Approval

Know exactly what you can afford — before you start looking

A pre-approval removes the guesswork. You'll know your budget, lock in a rate, and show sellers you mean business.

What you'll need

Don't worry about having everything ready right now — just start gathering what you can. I'll walk you through the rest.

  • Recent pay stubs or proof of income
  • T4s / Notice of Assessment (last 2 years)
  • Bank statements showing down payment savings
  • ID (driver's licence or passport)
  • Details of any existing debts or obligations

Start your pre-approval

Takes about a minute. I'll come back with real options.

What are you looking for?
When are you looking to move forward?

Prefer email? Write to lisa@sparkmortgages.ca

Trusted Partners

Buying a home involves more than just the mortgage

I work with a small group of trusted professionals and can connect you with the right person at the right time.

Need a realtor?

I work with a small group of trusted realtors depending on your situation — first-time buyer, investment, upsizing, or relocation.

Legal & closing

I can connect you with reliable real estate lawyers to handle your purchase, refinance, or separation smoothly.

Other services

Home inspection, homeowner's insurance, accounting for rental income — just ask and I'll point you in the right direction.

Need a referral? Just mention it in your form submission or reach out directly.

Ready to get pre-approved?

Send your details and I'll come back with what you qualify for and what it means for your budget.