Pre-Approval & Refinance Check

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Know your number before you fall in love with a house.

Whether you’re buying your first home or thinking about refinancing, knowing exactly where you stand makes everything else easier. NextDoor Mortgages offers a free pre-approval review and a free refinance check — no pressure, just straight answers about your options.

Try the estimators

Two quick tools to get a feel for your numbers. Results are estimates only — not a commitment to lend, and not a substitute for a real document review.

Free pre-approval review

A real pre-approval is more than a quick online calculator. Here’s what ours covers:

• A real document review up front — we look at your actual income, debts, and down payment, so your pre-approval means something when it counts.
• The federal stress test, explained plainly — you’ll know exactly what rate you qualify at and what that means for your budget.
• A rate hold while you shop — lock in today’s rate while you find the right home, so a rate increase doesn’t shrink your budget.

Who it’s for: first-time buyers, move-up buyers — and tougher files too. Self-employed income, bruised credit, or tight ratios? As part of Dominion Lending Centres, we have access to many lenders beyond the big banks, so we can find a fit where a single bank might say no.

Free refinance check

Thinking about refinancing? We’ll run the numbers to see whether refinancing could lower your payment, consolidate debt, or free up equity — and we’ll be honest with you. Sometimes the right answer is to wait out the penalty rather than refinance now, and we’ll tell you that too.

Let’s talk

Book a short phone call and tell us your best time — Travis will try to call you this week; reply or book with a good time.

Common questions

How long does a pre-approval take?
Usually one to two business days once we have your documents — and same-day is sometimes possible if everything is in hand. The estimators above are instant, but a real pre-approval needs a human review.

Does the refinance check affect my credit?
No. Running the numbers uses the information you give us — there’s no credit pull involved. A credit check only happens later, if you decide to move ahead with an actual application.

What documents does a real pre-approval review need?
Typically: recent pay stubs or an employment letter, your down payment confirmation (bank or investment statements), photo ID, and — especially if you’re self-employed — your last two years of tax notices of assessment. We’ll give you a simple checklist so nothing gets missed.

What does this cost?
Nothing out of pocket. For most residential mortgages in Canada, the lender pays the broker’s compensation when your mortgage funds — so our advice and reviews are free to you. If a situation ever worked differently, we’d tell you up front before anything moved forward.

Contact

NextDoor Mortgages – Dominion Lending Centres
Travis Bannert
Phone: (780) 722-5621
Website: nextdoormortgages.com
⭐ 5.0 rating from 118 Google reviews

Renewing your mortgage in 2026? Don’t sign your lender’s first renewal offer without comparing — read our free Mortgage Renewal Check guide first.