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Becoming a homeowner

Your preauthorized mortgage

Shop for your new home with peace of mind: apply for a preauthorized mortgage

Asking a Desjardins advisor for a preauthorized mortgage will let you:

  • know in advance up to how much you can borrow
  • know what kind of house you can shop for based on your borrowing capacity
  • draw up your budget more easily
  • negotiate with the seller or broker with peace of mind
  • protect yourself from potential interest rate hikes if your rate is guaranteed
  1. We work with you to establish your financing needs.
  2. We quickly inform you of the decision.
  3. You receive a confirmation of your preauthorized mortgage conditions and a preauthorization certificate.

The preauthorized mortgage certificate:

  • displays the maximum price of the house you can afford to buy
  • does not state your down payment amount or mortgage conditions
  • shows you are a serious buyer and your purchasing capacity
  • simplifies communication with the seller or real estate broker

Did you know?
Planning on building or renovating? Have you thought about going green? Ask your advisor about the Green Homes Program, which rewards green building and renovating with a comprehensive offer that includes cashback, rebates, great rates, tips and many other advantages.