Abode gives you a real, rate-locked pre-approval in about ten minutes — not a vague estimate that evaporates at the offer table. Connect your accounts once, see the number you can actually act on, and get a dedicated advisor who answers the phone until the keys are in your hand.
Funded through a network of regulated lenders and insurers
Most online estimates are guesses dressed up as numbers. Abode verifies your income, assets, and credit up front, so the letter you hand an agent carries real weight — and your rate is locked while you look.
We pull your income and assets directly from your bank and payroll, run full underwriting checks, and give you a maximum you've actually been approved for. No nasty re-rate when you make an offer, no clause that quietly unwinds at closing.
The moment you're approved, your rate is held for up to 120 days. If rates climb while you house-hunt, you keep yours. If they fall before you close, we re-lock you lower — automatically.
Found the one on a Saturday? Generate a verified pre-approval letter from your phone in seconds and send it with your offer before the open house ends.
Checking what you qualify for uses a soft pull that never touches your score. Shop rates as many times as you like — your credit stays exactly where it is.
The promises we put in writing, not in a brochure.
Closing a mortgage usually means a binder of documents, a dozen phone tags, and a closing date that slips. Abode turns it into a checklist that moves itself forward while you live your life.
You get a single licensed mortgage advisor by name — the same person from your first question to your closing-day signature. They know your file, they pick up the phone, and they chase the lender so you never have to. No call-centre roulette, no re-explaining your situation to a stranger every time.
We connect to your bank, payroll, and the tax authority to gather most of what underwriting needs automatically. The rare thing we still need, you snap with your phone.
Application, appraisal, underwriting, conditions, funding — watch each stage move in real time and know exactly what's outstanding and who has the ball.
We line up the appraisal, title, and lawyer early and flag risks before they bite, so your closing date is a commitment, not a hope.
Every cost, rate, and clause explained in normal words before you sign — so you know what you're agreeing to, not just where to initial.
Big-bank underwriting rewards one shape of borrower: salaried, tenured, textbook. Most lives don't fit that box. These are the files our specialists close every week — the ones a teller's checklist quietly declines.
Your tax return shows a modest net income because your accountant did their job. We read your real cash flow — business deposits, retained earnings, add-backs — and place you with lenders who underwrite the owner, not just line 150.
Landed eighteen months ago with a great job and zero domestic credit. We use newcomer programs, foreign credit references, and bank-statement income to get you approved without the two-year wait the big banks insist on.
Bonus, tips, contract, and commission income gets discounted or ignored by branch calculators. We document the pattern over time so your full earning power counts toward what you can borrow.
A divorce buyout needs the equity unlocked and one name removed against a tight legal deadline. We structure the refinance, coordinate the lawyers, and keep the closing on the court's clock.
Your pre-construction completion date keeps moving. We arrange a long rate hold, re-qualify cleanly if rules change before occupancy, and bridge the gap if your current place sells first.
Most banks cap you at a handful of properties. We work rental-portfolio lenders who count your rental income properly, so the sixth door doesn't end the conversation.
“We were outbid twice because our bank's pre-approval took a week to confirm. With Abode I sent a verified letter the same afternoon we saw the place. We had our offer accepted by Sunday night.”
“Rates dropped a quarter point three weeks before closing and Abode just re-locked us lower without my asking. My old broker would have let me close at the higher rate and never said a word.”
“I'm self-employed and three banks looked at my tax return and basically shrugged. Abode read the actual business and got me approved at a rate I didn't think I'd qualify for. One person, who knew my file, the whole way.”
Abode is paid a standard finder's fee by the lender when your mortgage funds — the same fee built into a bank branch's costs, only here it buys you choice instead of one product. Pick the level of help that fits how you like to buy.
For confident buyers who want speed and a great rate.
Our most popular path — a dedicated advisor from first question to keys.
For self-employed, new-to-country, or multi-property files.
No. Seeing what you qualify for uses a soft credit pull that has zero effect on your score. A hard inquiry only happens later, with your explicit consent, once you choose to move forward with a full application.
Abode is a licensed mortgage brokerage, not a bank. That means we shop your file across a network of regulated lenders to find the best rate and terms for you, instead of selling you a single institution's product. You stay with that lender for the life of your mortgage.
When your mortgage funds, the lender pays us a standard finder's fee — the same cost already baked into a bank branch's overhead. It doesn't raise your rate or add a fee to your statement; it simply means our advice is paid for by the lender, not by you.
Once you're approved, we hold your quoted rate for up to 120 days while you shop. If market rates rise, you keep your locked rate. If they fall before you close, we automatically re-lock you at the lower rate — you never have to ask or monitor it yourself.
Yes. Our Complex track specializes in self-employed and gig income, newcomers with little or no local credit history, and borrowers with multiple properties. We work with alternative and private lenders when a traditional file doesn't fit the big banks' boxes.
Straightforward purchases can move quickly once your offer is accepted, and refinances often faster. Because we pull documents automatically and line up the appraisal, title, and lawyer early, the timeline tends to hold instead of slipping at the last minute. Your advisor gives you a realistic date for your specific file.
Connect your accounts once and get a verified, rate-locked pre-approval in about ten minutes — no credit impact, and a named advisor on the line the moment you have a question. The hardest part of a mortgage shouldn't be the first step.