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Preauthorized mortgage

Your "trump card" for shopping for a home

  • 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

How it works

  1. A Desjardins advisor works with you to determine your financing needs.
  2. The answer comes quickly.
  3. You receive a confirmation of your preauthorized mortgage conditions and a preauthorization certificate.

What is the preauthorization certificate for?

The preauthorization 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

View an example of a preauthorization certificate (PDF, 166 KB)

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.

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