Get a mortgage pre-approval certificate

Before you fall in love with your dream home, make sure you know the mortgage amount you may qualify for. Get a CIBC mortgage pre-approval certificate and shop for your new home with confidence.

What's a mortgage pre-approval certificate?

Pre-approval establishes the mortgage amount you may qualify for. It also guarantees the interest rate for up to 120 days from the date of the certificate1, provided your financial situation doesn't change. A CIBC mortgage pre-approval certificate is free with no obligation.

Changes to your credit history — such as a new car loan or paying off a student loan — between the time you're pre-approved and apply for your final approval could impact the mortgage amount you can afford.

A mortgage pre-approval certificate provides:

• A signal to sellers and real estate agents you're a serious buyer
• The security of negotiating a purchase price that fits comfortably within your budget
• Negotiation leverage, especially during a bidding war
• The ability to move fast to close the deal and finalize your mortgage