Mortgage Pre-Approval Application

Whether you’re a first-time home buyer or looking to upgrade, it’s good to know what you can afford as well as what you’re approved for. We welcome you to apply for your true mortgage pre-approval here. This way, when you are on the house hunt, there is no guessing involved*.

Please note, if there are more than 2 individuals to be included on this mortgage, this pre-approval spot isn’t the right one for you. Please contact us at 1-866-825-3301 and we will be happy to get you started.

*Good to know: A mortgage pre-approval is an important part of the home buying process. If you are pre-approved with Synergy, it means that we have stated that you qualify for a mortgage loan based on the information you have provided, and subject to certain conditions. A mortgage pre-approval specifies a term, interest rate and principal amount. This is a helpful step, as it can give you a clearer picture of how much you can afford.

You are trusting us with sensitive information. Nothing is more important to us than protecting it. This form is secured using the latest Secure Sockets Layer protocol (TLS).

Applicant 

 
First Name*
 
 
Last Name*
 
 
Social Insurance Number (SIN)
 
 
Date of Birth (DOB)*
 
 
Phone Number*
 
 
Email*
 
 
Legal/ Physical Address*
 
 
City*
 
 
Province*
 
 
Postal Code*
 
 
Residence Status*
 
 
Time at Residence (ie. 5 years and 2 months)*
 
 
Marital Status*
 
 
 
 
 

Employer Information

 
Current Employer*
 
 
Address*
 
 
Phone Number*
 
 
Occupation*
 
 
Employment Type*
 
 
Start Date (ie. June 2007)*
 
 
Gross Annual Salary*
 
 

File upload (these are files that we will require which you can choose to upload now).

  • Your net worth statement (if you don’t have one, you can complete one, below);
  • Your verification of income (2 items of verification required)
    • one of: your last paystub, 2 months of direct deposit history or current letter of employment;
    • plus one of: previous year-end paystub, most recent T4, most recent Notice of Assessment.
    • If you are self employed or do not have these types of verification, please contact us for alternatives.
  • A statement or letter stating where the funds are coming from for the down payment.
  • If you are not a member of ours yet, your personal identification (such as your current/valid drivers license, provincial health card, birth certificate)
 
File Upload: Net Worth Statement
 
 
File Upload: Verification of Income
 
 
File Upload: Down payment statement or letter
 
 
File upload: If you are not a member of ours yet, please provide two pieces of personal identification
 
 
 
 
 
I did not provide a net worth statement
 
 
 
 
 
I have additional incomes
 
 

Additional Income(s)

 
Type
 
 
Description
 
 
Annual Income
 
 
 
 
 
I have more incomes to share
 
 
 
 
 
Type
 
 
Description
 
 
Annual Income
 
 

 

Enter the dollar value of your assets and liabilities (net worth) below.


Assets (what you own)

 
Real Estate
 
 
Vehicle
 
 
Pension
 
 
Registered Retirement Savings Plans (RRSPs)
 
 
Tax Free Savings Accounts (TFSAs)
 
 
Other Investments
 
 
Bank Accounts (chequing/ saving)
 
 
Life Insurance Cash Value
 
 
Other Assets
 
 

Liabilities (what you owe)

 
Rent
 
 
Monthly Mortgage Payment(s). If more than one, please list as: Mortgage 1: $______; Mortgage 2:$______; etc.
 
 
Outstanding Mortgage Balance(s). If more than one, please list as: Mortgage 1: $______; Mortgage 2:$______; etc.
 
 
Monthly Credit Card Payment(s). If more than one, please list as: Credit Card 1: $______; Credit Card 2:$______; etc.
 
 
Outstanding Credit Card Balance(s). If more than one, please list as: Credit Card 1: $______; Credit Card 2:$______; etc.
 
 
Credit Card Limit(s). If more than one, please list as: Credit Card 1: $______; Credit Card 2:$______; etc.
 
 
Monthly Loan Payment(s). If more than one, please list as: Loan 1: $______; Loan 2:$______; etc.
 
 
Outstanding Loan Balance(s). If more than one, please list as: Loan 1: $______; Loan 2:$______; etc.
 
 
Monthly Line of Credit Payment(s). If more than one, please list as: Line of Credit 1: $______; Line of Credit 2:$______; etc.
 
 
Outstanding Line of Credit Balance(s). If more than one, please list as: Line of Credit 1: $______; Line of Credit 2: $______; etc.
 
 
Line of Credit Limit(s). If more than one, please list as: Line of Credit 1: $______; Line of Credit 2:$______; etc.
 
 
Childcare/ Dependent Care (Monthly Payments)
 
 
Utilities (power/ water/ heat/ phone)
 
 
Property Taxes
 
 
Other Liabilities
 
 

Information


I HEREBY certify that the information I have provided is true, correct and complete. I agree to contact the Synergy Credit Union’s Member Contact Centre toll-free at 1-866-825-3301 to inform them of any inaccuracies in the information I have provided.

 

Privacy


I acknowledge Synergy Credit Union will be collecting and gathering personal, financial and credit information from and about me (Information) to obtain credit reports and evaluate my credit rating and credit worthiness. I authorize, consent to, and accept this as approval of Synergy Credit Union obtaining and gathering such Information about me. I understand Synergy Credit Union requires and may use my Social Insurance or Business Number as may be applicable as an aid to identify me with credit bureaus and other financial institutions for credit matching purposes or for income tax reporting purposes. I also understand that the provision of my Social Insurance Number will be used for credit matching purposes.  I also understand that I may ask Synergy Credit Union to stop using my Social Insurance Number for credit matching purposes at any time.

 
Do you agree?*
 
 
 
 
 
I agree that Synergy Credit Union may collect, use and disclose my personal information in accordance with Synergy’s Privacy Code, available upon request at any Synergy branch or by calling the Member Contact Centre toll-free at 1-866-825-3301. 
 
 
 
Do you agree?*
 
 
 
 
 
I have an additional applicant
 
 

Additional Applicant

 
First Name
 
 
Last Name
 
 
Social Insurance Number (SIN)
 
 
Date of Birth (DOB)
 
 
Phone Number
 
 
Email
 
 
Legal/ Physical Address
 
 
City
 
 
Province
 
 
Postal Code
 
 
Residence Status
 
 
Time at Residence (ie. 5 years and 2 months)
 
 
Marital Status
 
 

Employer Information

 
Current Employer
 
 
Legal Address
 
 
Phone Number
 
 
Occupation
 
 
Employment Type
 
 
Start Date (ie. June 2007)
 
 
Gross Annual Salary
 
 

File upload (these are files that we will require which you can choose to upload now).

  • Your net worth statement (if you don’t have one, you can complete one, below);
  • Your verification of income (2 items of verification required)
    • one of: your last paystub, 2 months of direct deposit history or current letter of employment;
    • plus one of: previous year-end paystub, most recent T4, most recent Notice of Assessment.
    • If you are self employed or do not have these types of verification, please contact us for alternatives.
  • A statement or letter stating where the funds are coming from for the down payment.
  • If you are not a member of ours yet, your personal identification (such as your current/valid drivers license, provincial health card, birth certificate)
 
File Upload: Net Worth Statement
 
 
File Upload: Verification of Income
 
 
File Upload: Down payment statement or letter
 
 
File Upload: If you are not a member of ours yet, please provide two pieces of personal identification
 
 
 
 
 
I did not provide a net worth statement
 
 
 
 
 
I have additional incomes
 
 

Additional Income(s)

 
Type
 
 
Description
 
 
Annual Income
 
 
 
 
 
I have more incomes to share
 
 
 
 
 
Type
 
 
Description
 
 
Annual Income
 
 


 

Enter the dollar value of your assets and liabilities (net worth) below.


Assets (what you own)

 
Real Estate
 
 
Vehicle
 
 
Pensions
 
 
Registered Retirement Savings Plans (RRSPs)
 
 
Tax Free Savings Accounts (TFSAs)
 
 
Other Investments
 
 
Bank Accounts (chequing/ saving)
 
 
Life Insurance Cash Value
 
 
Other Assets
 
 
 
 
 

Liabilities (what you owe)

 
 
 
 
Rent
 
 
Monthly Mortgage Payment(s). If more than one, please list as Mortgage 1: $______; Mortgage 2:$______; etc.
 
 
Outstanding Mortgage Balance(s). If more than one, please list as: Mortgage 1: $______; Mortgage 2:$______; etc.
 
 
Monthly Credit Card Payment(s). If more than one, please list as: Credit Card 1: $______; Credit Card 2:$______; etc.
 
 
Monthly Credit Card Payment(s). If more than one, please list as: Credit Card 1: $______; Credit Card 2:$______; etc.
 
 
Credit Card Limit(s) If more than one, please list as: Credit Card 1: $______; Credit Card 2:$______; etc.
 
 
Monthly Loan Payment(s). If more than one, please list as: Loan 1: $______; Loan 2:$______; etc.
 
 
Outstanding Loan Balance(s). If more than one, please list as: Loan 1: $______; Loan 2:$______; etc.
 
 
Monthly Line of Credit Payment(s). If more than one, please list as: Line of Credit 1: $______; Line of Credit 2:$______; etc.
 
 
Outstanding Line of Credit Balance(s). If more than one, please list as: Line of Credit 1: $______; Line of Credit 2: $______; etc.
 
 
Line of Credit Limit(s). If more than one, please list as: Line of Credit 1: $______; Line of Credit 2:$______; etc.
 
 
Childcare/ Dependent Care (Monthly Payment)
 
 
Utilities (power/ water/ heat/ phone)
 
 
Property Taxes
 
 
Other Liabilities
 
 

Information


I HEREBY certify that the information I have provided is true, correct and complete. I agree to contact the Synergy Credit Union’s Member Contact Centre toll-free at 1-866-825-3301 to inform them of any inaccuracies in the information I have provided. 

Privacy


I acknowledge Synergy Credit Union will be collecting and gathering personal, financial and credit information from and about me (Information) to obtain credit reports and evaluate my credit rating and credit worthiness. I authorize, consent to, and accept this as approval of Synergy Credit Union obtaining and gathering such Information about me. I understand Synergy Credit Union requires and may use my Social Insurance or Business Number as may be applicable as an aid to identify me with credit bureaus and other financial institutions for credit matching purposes or for income tax reporting purposes. I also understand that the provision of my Social Insurance Number will be used for credit matching purposes.  I also understand that I may ask Synergy Credit Union to stop using my Social Insurance Number for credit matching purposes at any time.

 
 
 
 
Do you agree?
 
 
 
 
 
I agree that Synergy Credit Union may collect, use and disclose my personal information in accordance with Synergy’s Privacy Code, available upon request at any Synergy branch or by calling the Member Contact Centre toll-free at 1-866-825-3301. 
 
 
 
Do you agree?
 
 
 
 
 

Financial Request

 
Estimated Purchase Price*
 
 
Down Payment Amount*
 
 
Where is the down payment coming from?*
 
 
What is the length of time the down payment has been available?*
 
 
Preferred Monthly Payment Amount*
 
 
Important things we should know to help you get pre-approved: