Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]

Preauthorized Mortgage

An evaluation that 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.

Advantages

  • Negotiating with the seller or broker is easier since you know exactly how much your 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.

How to get this product
Online Online
(Members)
Fill out the form
By phone By phone
(Members)
Montreal area: 514-522-2373
Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
At the caisse At the caisse
Make an appointment with a caisse advisor:
Documents to bring to your meeting
Through a mortgage representative Through a mortgage representative
(Members and non-members)
Make an appointment for a house call:

Interest rates

Mortgage loan
As of November 21, 2009 Available in RSS format
Term
Rate
"5-in-1" Yearly Fixed-Rate Resetter Mortgage Loan
3.00%
5 years (Closed fixed)
5.59%
Reduced variable rate
2.25%
Other rates – Mortgage loan

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