Pre-approved mortgage
It's always a great idea to get pre-approved 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.
Why get pre-approved?
A mortgage pre-approval 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 pre-approval
- Determine your financing needs with one of our advisors.
- Get a prompt answer.
- Get the loan terms and a certificate upon approval.
See a sample pre-approval certificate
Online tools
My First Home on AccèsD
Thinking about buying a home?
Log in to AccèsD or the mobile app. Go to the Home section and we'll guide you through the process.
New online mortgage pre-approval
Apply for a mortgage pre-approval online in just 5 minutes and receive an instant response.
Steps
- Find out your recommended price range and maximum purchase price.
- Compare the costs of your favourite properties.
- Get pre-approved online.
- Make a purchase offer.
- Get home and mortgage insurance quotes.
- Finalize the sale.
- Get ready to move.
- 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, 2021. The rate guarantee becomes effective when the application is approved by Desjardins.