What can you safely afford?
The useful number is not the maximum approval. It is the payment, cash requirement, and lender structure that still works after closing.
Purchase strategy
A stronger mortgage file before you write.
Buying well starts before the offer. Adam helps you understand budget, approval strength, lender fit, rate hold, and offer conditions so the financing side is not guessed at under pressure.
Before the offer01. 02. 03. 04.
Know the file before the listing.
How strong is the pre-approval?
A rate hold is helpful, but approval strength depends on income, down payment source, credit, property type, and lender fit.
How should you write the offer?
Financing conditions, deposit timing, appraisal risk, closing dates, and bridge requirements should be understood before the offer is signed.
What if your income is complex?
Self-employed, incorporated, bonus, commission, and new-to-Canada files need a lender strategy before the file is sent into underwriting.
Private advice
Pressure-test the purchase before you write.
Send Adam the target price range, down payment, income picture, and timing. The goal is simple: fewer surprises between offer, approval, and closing.
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