House Hunting Without a Pre-Approval? You’re Not Going Anywhere.
- Penny Rudderham
- Jan 22
- 2 min read
Imagine showing up to Pearson Airport, bags packed, excited for your dream vacation — but you don’t have a ticket. You stroll up to the gate, expecting to board the plane, only to be turned away. Why? Because without a ticket, you’re not going anywhere.
Now apply that same logic to house hunting in Canada: if you don’t have a mortgage pre-approval, you’re not ready to shop.
Real Talk: Agents Don’t Get Paid to Show Homes
Here’s a reality check: real estate agents in Canada don’t get paid until a deal closes. We can spend hours driving across town, booking appointments, unlocking doors, and answering your questions — but until you’re financially ready to make an offer, that’s all unpaid labour.
It’s not just about our time (although that matters). When you ask to see a home without a pre-approval, you’re involving sellers who are opening their private space to a buyer who may not even be able to qualify for the home. That’s not fair to them, and it’s not fair to the agent whose job is to protect everyone’s time and interests.
Sellers Expect Serious Buyers
In today’s competitive market, sellers don’t want people casually walking through their homes. They expect agents to screen buyers — and that means confirming they’re financially capable of making an offer. If you can’t show a pre-approval letter from a reputable lender or mortgage broker, you’re not a qualified buyer — and many agents won’t even book the showing.
Don’t Take It Personally. It’s Literally Our Job.
Some buyers feel offended when asked for a pre-approval. Don’t be. We’re not trying to judge you — we’re trying to do our jobs professionally. A good agent isn’t just a tour guide. We’re advisors, negotiators, and fiduciaries. We protect your interests, your time, and your money. And step one of protecting you is making sure you’re financially prepared.
The Bottom Line
If you’re serious about buying a home in Canada, here’s what you need to do:
Talk to a mortgage broker or lender and get pre-approved.
Know your budget so you don’t fall in love with homes you can’t afford.
Send your pre-approval to your agent before you start booking showings.
Only then are you really ready to hunt for homes.
Because house hunting without a pre-approval? It’s like going to the airport without a ticket. You’re not going anywhere.
With the HOMEGEEK, we have a list of trusted mortgage brokers or agents that can help you get a pre-approval started today. It’s easier than you think.
Comments