Desjardins mortgage pre-approval: duration, rate guarantee, documents and what it does not guarantee

Mortgage · Desjardins pre-authorization · September 14, 2026

Duration, rate guarantee, documents and limits of the Desjardins pre-authorization, read on their site, and why to also get a mortgage broker's.

The Desjardins mortgage pre-authorization, as published on desjardins.com on September 14, 2026, gives the maximum amount you could borrow based on your situation, your down payment and your project: certificate valid for 6 months, rate guarantee of 3 to 6 months, application online or through the app with a fast response, information required (annual income T4, down payment, approximate price), no commitment to take the loan, with a credit file consultation and a complete credit application once the property is found. It is valid at Desjardins: a mortgage broker does the same process with several lenders, free on a standard file, and the rate gap shows immediately (Desjardins 4.69% on a promotional 5-year against 4.09% for the best insured rate on the market the same day). The Loaa and Manseur team builds your search on the tested rate.

What Desjardins says about its pre-authorization, read on September 14, 2026

On desjardins.com, the mortgage pre-authorization "lets you know the maximum amount you could borrow" based on your financial situation, your down payment and your project. The published points: the pre-authorization certificate is valid for 6 months; the rate guarantee runs 3 to 6 months; the information requested is annual income (T4), the down payment amount and the approximate property price, with other documents depending on the situation; the application can be made online or through the app with "a fast response"; it does not commit you to taking the loan; the credit file consultation may affect the score; your financial situation must remain unchanged for the rate guarantee to apply; and a complete credit application remains necessary once the property is found. These conditions change: the official page prevails.

What it means for your purchase

• 6 months: enough to search a spring or a fall; if the market or your income changes, the pre-authorization is redone.
• The rate guarantee protects you if rates rise during the search; if rates fall, you take the new rate. On September 14, 2026, Desjardins' promotional 5-year fixed was 4.69% and its reduced variable 4.10%, against 4.09% for the best insured rate on the market.
• It is not an approval: the property must be appraised and accepted, and the complete file reviewed; our guide mortgage pre-approval in Quebec.

Desjardins pre-authorization or mortgage broker: do both

The Desjardins pre-authorization is valid at Desjardins; a mortgage broker does the same process with several lenders for the same file, free on a standard file, and the rate gap shows immediately: on September 14, 2026, Multi-Prêts posted 4.29% on 5 years and 3.50% variable (Multi-Prêts rates). Our page mortgage advisor explains who does what, and borrowing capacity the calculation at the tested rate (6.09% with a 4.09% rate).

The documents to prepare, at Desjardins or elsewhere

• Proof of income: T4, pay stubs, notices of assessment; financial statements for the self-employed.
• Proof of down payment: statements (savings, FHSA, RRSP for the HBP), gift letter if applicable.
• ID and authorization to consult the credit file.
• List of debts and monthly payments.

Frequently asked questions

Our proof, not our promises

The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.

Also available in French: version française de ce guide.

Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.