Your First Step Toward Homeownership Starts Here

Getting pre-approved is more than just checking a box—it’s your key to shopping with confidence, knowing your budget, and making stronger offers. At Synergy Credit Union, we make it easy to apply online and get a true mortgage pre-approval—not just a pre-qualification.

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Why Get Pre-Approved with Synergy?

True Pre-Approval: We go beyond pre-qualification to give you a clear picture of what you can afford, including your rate, term, and principal amount.
Quick Response: Apply online and hear back from us no later than the next business day.
Rate Guarantee: Lock in your interest rate for 120 days while you shop for your new home.
Expert Support: Our mortgage specialists are here to guide you every step of the way.

*Good to know: 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. Your mortgage pre-approval will specify a term, interest rate and principal amount. This is a helpful step, as it can give you a clearer picture of how much you may be able to afford.

What You’ll Need to Apply

Personal Details

Date of birth
Physical address
Valid photo ID
- Not a Synergy member yet? Bring two of the following:
  - Driver’s license
  - Provincial health card
  - Birth certificate

Employment & Financial Info

Employer name and details
Net worth statement

Income Verification (two items required)

Please provide: One of the following:

Last paystub
Two months of direct deposit history
Current letter of employment

Plus one of the following:

Previous year-end paystub
Most recent T4
Most recent Notice of Assessment

Self-employed or unable to provide these documents? Reach out to us for alternatives.

Down Payment Details

Statement or letter showing the source of your down payment funds
Include how long the funds have been available

Choose Your Application Path

Apply Online

Perfect for one or two applicants who are comfortable entering information on a secure platform.
Note: The application cannot be saved once started—check the “What You’ll Need” section before beginning.

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Speak to a Mortgage Specialist

Ideal if you prefer a personal conversation or have more than two applicants. Our team is ready to help.

Empowering Through Education

Navigating Home Ownership with the Synergy Home Handbook

Buying a home can be complicated. The Synergy Home Handbook offers invaluable resources to guide you through every step of the process.

Begin here

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