Our Program
Get a secure rate hold and a clear budget before you start
house hunting. Our fully online pre-approval takes under
2 minutes, protects you from rate increases for up to 120 days,
and gives you the confidence to make firm offers that sellers
take seriously — all at zero cost to you.
A mortgage pre-approval is a lender’s written commitment to
lend you up to a specific amount at a specific rate, based on
a verified review of your finances. It’s the smartest first
step any Canadian homebuyer can take.
Walk into every showing knowing exactly how much you can borrow — so you never fall in love with a home you can't afford.
Your rate is locked in for up to 120 days. If rates go up while you shop, you're protected. If they drop, we get you the lower rate.
Sellers take pre-approved buyers far more seriously. A pre-approval letter shows you're qualified, serious, and ready to close.
Our initial pre-approval uses a soft credit check only — so your score is never affected just for getting a quote.
Getting pre-approved with Rapid Rates is fast, fully online,
and completely free. Here’s exactly what happens from start
to finish.
Fill out our secure 2-minute digital form with your income, employment, and property details — no branch visit needed, no paperwork to fax.
Our licensed advisors assess your profile and instantly compare offers from 50+ lenders to find the best rate and terms available to you today.
Within minutes, you'll receive a formal pre-approval letter confirming your maximum purchase price and rate — ready to present to any real estate agent or seller.
Your rate is protected for up to 120 days while you shop for the right home — so even if rates rise, yours won't.
Canada’s Fastest Path to Your Best Rate
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