Preapproved mortgage

It's always a great idea to get preapproved for a mortgage. It tells you exactly how much you can spend, shows that you're a serious buyer and simplifies matters with your real estate broker or seller.

Limited-time offer: Lock in your rate until June 30, 20201

Get preapproved today and we'll lock in your rate until June 30, 2020, no matter what term you choose.

Get preapproved for a mortgage

Why get preapproved?

A mortgage preapproval paves your way to homeownership because it:

  • certifies your buying capacity
  • tells you how much you can spend, based on your borrowing capacity and down payment
  • can protect you from interest rate hikes if your rate is guaranteed
  • simplifies communication with the real estate broker or seller

3-step preapproval

  1. Determine your financing needs with one of our advisors.
  2. Get a prompt answer.
  3. Get the loan terms and a certificate upon approval.

See a sample preapproval certificate

Tools

My First Home

Thinking about buying a home?

Let us guide you through the process. Use the My First Home tool on AccèsD or on the mobile app.

Log in to AccèsD

Steps

  1. Find out your recommended price range and maximum purchase price.
  2. Compare the process of your favourite properties.
  3. Get preapproved.
  4. Make a purchase offer.
  5. Get home and mortgage insurance quotes.
  6. Finalize the sale.
  7. Get ready to move.
  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 loan you choose, the rate or rate spread is guaranteed until June 30, 2020. The rate guarantee becomes effective when the application is approved by Desjardins.