Get pre-approved for a mortgage

Mortgage pre-approval

Here's why and how to get pre-approved for a mortgage.

Get pre-approved for a mortgage

  • By phone

    Give us a call to discuss the homebuying process or to apply for a mortgage pre-approval.

    Montreal area: 514-745-9499, option 9

    Elsewhere in Canada and the US: 1-844-626-2476, option 9

  • On AccèsD

    Are you a member and thinking about buying a home?

    On AccèsD, go to the Home section and click Prepare to buy. Apply for a mortgage pre-approval and receive an instant response.

    Log in to AccèsD

Take advantage of our offer and get an extended rate guarantee

For a limited time, get pre-approved or apply for a mortgage and we'll reserve your rate until June 30, 2023.

Pre-approval basics

A mortgage pre-approval tells you how much you could borrow to buy your future home and shows that you're a serious buyer. It's non-binding, which means you're in no way committed to taking out a mortgage.

Advantages of getting pre-approved

  • Makes the homebuying process that much easier
  • Shows that you're able to make the purchase
  • Specifies the price you can pay for your future home, based on the current market, your borrowing capacity and your down payment
  • Gives you a head start on your meeting with your real estate broker or the person selling the property
  • Guarantees a fixed rate for a limited time depending on which mortgage you choose


  • Guarantees the difference between a variable rate and the prime rate for a limited time, depending on which mortgage you choose

Pre-approval in 3 steps

  1. Assess your financing needs based on what you can afford.
  2. Get a prompt answer.
  3. Get the mortgage terms and certificate upon approval.

Online tools

Buying your first home

If you're a Desjardins member, log in to AccèsD to walk through the key steps of the buying process and to:

  • Calculate your budget
  • Estimate your monthly payments
  • Get pre-approved

Log in to AccèsD

On AccèsD, go to the Home section and click Prepare to buy.

  1. Certain conditions apply. Offer conditional upon credit approval. This offer may be changed or revoked at any time without notice. Depending on the mortgage you choose, the rate or rate spread is guaranteed until June 30, 2023. The rate guarantee becomes effective when the application is submitted by your advisor.