Joel DyckReal Broker SK Ltd.
Saskatoon · From the topic map

Should I include a mortgage (financing) condition?

Yes, in almost every case. Saskatchewan calls this a financing condition rather than the US term for the same idea, and it gives you a window to confirm your lender will actually fund the purchase before you are legally committed, built directly into the standard Saskatchewan purchase contract.

Removing this condition too early is the most common way a buyer gets hurt. A pre-approval is not a guarantee, since a lender still confirms the property, your final numbers and CMHC lending guidelines, including a minimum credit score of 600, before releasing funds at possession.

A seller in a competitive situation may push for a shorter condition period or none at all, and that is a real negotiation, not a formality; your lawyer and mortgage broker should both weigh in before you agree to waive it, since removing it early shifts real risk onto you.

Whether to shorten or waive this condition is a decision worth making with real advice, not alone. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

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