Homewise Launches Pre‑Approval API for Partners

A big move in mortgage tech — and a win for real estate platforms and digital-first buyers.

Canadian mortgage fintech Homewise just rolled out a new tool that could shake up how pre-approvals work across the industry. Their new Pre‑Approval API allows real estate websites, proptech companies, and partner platforms to embed instant mortgage pre-approval tools directly into their own digital experiences.

Instead of redirecting users to a separate pre-approval page, platforms can now run approvals behind the scenes, giving borrowers an instant sense of what they can afford — without ever leaving the site.

“This is about speed, simplicity, and smarter lead conversion,” said a Homewise spokesperson. “We’re giving partners a way to keep users engaged and moving forward with confidence.”

Why This Matters

Pre-approvals are often the first (and most frustrating) step for first-time buyers. Delays, document requests, and clunky interfaces can cause leads to drop off entirely.

With this API, digital-first brokerages and proptech tools can:

• Capture warm leads earlier in the buying journey
• Offer smarter recommendations based on budget instantly
• Connect buyers to lenders seamlessly, without waiting on manual forms

What It Means for Borrowers

If you’re using a real estate app or mortgage comparison site that partners with Homewise, you might soon see built-in affordability results after entering just a few basic inputs.

That means:

• No more switching tabs or waiting for email responses
• Instant clarity on your price range
• More control over your buying journey from day one

But it also means borrowers need to be cautious. API-driven results aren’t full approvals — they’re based on stated income and estimated debt, not formal documentation. So follow up with a real advisor to verify the numbers before house hunting.