I would first check to see if Scotiabank and TD will honour the pre-approvals if they were obtained prior to Jan 1 as regulations changed and some pre-approvals were rendered null and void. TD was honouring the old pre-approvals at the old guidelines last I heard, though.
Given the information that you've provided, the rates available to you more than likely won't be attractive as you stretched fairly thin qualifying-wise. Probably around 3.69% if you can get qualified.
Concierge Mortgage Group