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Personal Home > Products and services > Loans, lines of credit and credit cards > Mortgages > Preauthorized Mortgage

Preauthorized Mortgage

An evaluation determines the maximum financing amount you are eligible for according to your financial situation (income, assets, liabilities) for the purchase of a primary (single-family, condo or semi-detached) residence. Preauthorized mortgages can be particularly useful for first-time buyers.

Advantages

Negotiating with the seller or real estate broker is easier since you know exactly how much you can borrow.
You get an interest rate that is guaranteed for a minimum of 90 days.
Protects you from interest rate hikes during the period of negotiation.
Still allows you to benefit from possible interest rate declines if, at the time you sign the contract, the interest rate is lower than the initial rate.
Allows you to get your loan faster.

Calculate

What will my mortgage payments be?

Did you know?

When you take out Loan Insurance, the insurer repays the loan amount in the event of death. In the event of disability, the insurer repays the insured portion of your payments. If the unexpected strikes, Loan Insurance ensures your financial obligations are covered.




	Online (Members)	Fill out the form


	At the caisse	Make an appointment with a caisse advisor: online by phone



	Through a mortgage representative	Make an appointment for a house call. Representatives can meet with you at your convenience, 7 days a week: Find a mortgage representative

	By phone	Montreal area: 514-CAISSES (514-224-7737) Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)