Terms of Use, Privacy Policy & Pre-Qualification Consent

By using this website, mortgage calculators, pre-qualification tools, forms, or related services, you agree to these Terms of Use and Privacy Policy.

Our services are intended for residents of Canada and are subject to applicable Canadian laws and regulations.

We collect personal information such as your name, address, contact information, employment details, income information, mortgage information, and credit-related information to assess your mortgage needs and provide financing options.

Your information may be shared with lenders, mortgage insurers, credit bureaus, appraisers, notaries, lawyers, financial institutions, and service providers as necessary to process your mortgage application or inquiry.

Any mortgage pre-qualification is an estimate only and is not a mortgage approval. Qualification amounts remain subject to lender policies, income verification, credit review, property review, and final underwriting approval.

By submitting a request, you authorize Karim Hammal and authorized lending partners to obtain credit information when necessary to evaluate your mortgage options and provide pre-qualification services.

By completing a form on this website, you consent to your information being stored in our client and prospect database. You also consent to receiving communications from Karim Hammal and his team regarding mortgage services, renewals, refinancing opportunities, market updates, educational content, promotions, newsletters, and follow-ups related to your inquiry. You may unsubscribe at any time through the unsubscribe link in our emails or by contacting us directly.

Information provided on this website is for informational purposes only. No guarantee of mortgage approval or interest rate is expressed or implied.

These terms are governed by the laws of the Province of Quebec and the laws of Canada applicable therein.