The following links are to lending institutions and mortgage brokers in Canada. Such lending institutions include major Canadian banks and financial institutions such as the Royal Bank of Canada (RBC), the Canadian Imperial Bank of Commerce (CIBC), the Bank of Montreal (BMO), Scotiabank, TD Canada Trust, HSBC, ING Direct, and Investors Group along with several other institutions, including some local or regional institutions and credit unions. These websites contain pre-approval application forms and information about various mortgage products available in Canada.

Mortgage approvals tend to be based on several criteria, including the income and credit history of the applicant, the applicant's debts and assets, number of dependants, and even the immigration status of the applicant. Mortgage approvals are also based on the values of the properties which are to be mortgaged. Details about the property, such as the number of bedrooms and square footage, may be important for determining to what extent the property may qualify for a mortgage. Mortgage lenders may also require appraisals or inspections of potential mortgage properties. The costs associated with appraisals and inspections are almost invariably paid by the person seeking the mortgage, but such expenses may often be added to the principal amount of the mortgage.

AGF mortgage pre-approval application process

Alpine Mortgage pre-approval application

AMA mortgage pre-approval application form

ATB pre-approval contact information

Bank West mortgage information

BMO pre-approval application form

Bridgewater Bank mortgage information

CanadaMortgages.com pre-approval application form

Canadian Tire Financial Services mortgage pre-approval application form

Canadian Western Bank mortgage information

CIBC pre-approval application form

Firstline Mortgages information

First National mortgage application form

GMAC Residential Funding mortgage information

HSBC mortgage pre-approval application form

ING Direct mortgage pre-approval application form

Investors Group mortgage information

Manulife Bank of Canada mortgage information

Manulife One mortgage information

Merix Financial mortgage information

Mortgage Alliance pre-approval application form

MortgagesInCanada.com pre-approval application form

Mortgage Intelligence mortgage information

President's Choice Financial mortgage pre-approval application form

RBC pre-approval application form

ResMor Trust Company mortgage information

Scotiabank pre-approval application form

Servus Credit Union pre-approval contact information

TD pre-approval application form

Further Information

In Canada, the main sources of mortgages include banks, credit unions, the federal government (in certain circumstances), mortgage or real estate companies, mortgage brokers, property sellers (vendor-take-back mortgages), trust companies, and through assumptions of existing mortgages. Borrowers may even obtain mortgages from family members, friends, or private investors.

The following links provide further information about mortgage lending and personal credit.

Canadian Association of Accredited Mortgage Professionals This is the website for the national organization that represents the mortgage industry in Canada.

Genworth Financial Mortgage Information Genworth Financial is a provider of mortgage insurance in Canada. This website provides information about mortgage insurance as well as other useful information about mortgages, including mortgage calculators, and information about renovations and the energy-efficient housing program.

Equifax Equifax provides credit information to prospective lenders and to individuals wishing to check their existing credit. It may be worthwhile to check on your credit rating before applying for a mortgage.

TransUnion Similar to Equifax, TransUnion allows you to check your credit profile to help determine if you may qualify for a mortgage.

Real Estate Information This page provides links to various websites containing information that may be useful when buying or selling real estate.

Mortgage Forms for Lawyers This page provides links to the legal mortgage forms, and to lawyer and notary instructions provided by some of the major mortgage lenders in Canada.

Factors to Consider if Assuming a Mortgage This page discusses some important considerations for those thinking about assuming an existing mortgage.

Federal Home Buyers' Plan This page contains information about the federal government's home buyer's plan. This plan enables qualifying home buyers to withdraw up to $20,000 from RRSPs to put towards the purchase of a home.