Mahone Bay, South Shore
Start your Nova Scotia pre-approval
About a minute, no credit check, no fee. Then pick a time for a 15-minute call, where Riley goes through the price a lender will likely support and the short list of documents to send next.
What happens next
Four steps from this form to a pre-approval letter you can put behind an offer.
After you send
- A reply within one business day 1 business day What a lender will likely support
- Documents by secure upload Never as open email attachments
- One credit check, with your written consent After the consent and Form 1 disclosure; shared across lenders
- A pre-approval letter with a rate hold Rate held 90–120 days A maximum price and a payment
- Rate hold 90–120 days, depending on the lender
- $0 fee to you
Rate-hold length depends on the lender. Last verified September 20, 2026.
Prefer to talk? Call (902) 298-0218, Monday to Friday, 8:00 am to 10:00 pm Atlantic, or book a 15-minute call.
Why a broker
Licensed, independent, paid by the lender
- Licensed in Nova Scotia Associate broker 3001134, verifiable on the provincial register
- $0 broker fee On a standard residential mortgage the lender pays, not you
- Banks, credit unions, monolines One application, one credit check, placed with the lender that reads your file best
- Every part of the province Bedford office, remote process: Yarmouth to Sydney, the same four steps
Before you send
Does applying affect my credit?
Not at this stage. The form asks for your name, phone and email; no credit bureau is pulled from it. A credit check happens only once you sign a written consent, and only once per application, so shopping lenders through a broker means one inquiry.
How long does pre-approval take?
In our experience, one to three business days once your documents are in. Riley replies within one business day with a likely range and a short document list; the pre-approval, with a rate hold of typically 90 to 120 days depending on the lender, follows once the lender reviews income, credit and down payment.
Do I need a property first?
No. A pre-approval is done on you, not a house: income, credit, down payment and debts. With an accepted offer, the lender approves the property, which is when the appraisal and purchase documents come in.
Still unsure? Ask me directly.
If your question isn't here, your situation is probably specific. Fifteen minutes on the phone beats reading another page, and nothing is pulled on your credit.
(902) 298-0218 · Monday to Friday, 8:00 am to 10:00 pm Atlantic