Rental property owners

Until November 7, 2008, take advantage of a minimum cumulative interest rate of 11%¹ and 100% capital protection with the Desjardins Enhanced Return Guaranteed Investment. It also entitles you to member dividends from your caisse.

1. For a 5-year term.

Are you the owner or future owner of a rental property of 4 units or less?

Desjardins offers rental property owners solutions to meet their specific needs in terms of:

• day-to-day transactions
• loans and financing
• insurance
• investments

Do you own a building of 5 units or more?

Did you know

• You can claim your mortgage interest and the maintenance and renovation expenses of your rental properties as tax deductions on your next income tax return.
• With the right tax strategy, you may be able to deduct interest on other loans.
• If you are an owner-occupant, a portion of capital gains on the sale of the property many not be taxable.

A caisse advisor can help you find ways to minimize costs and get the most out of your investment. Make an appointment now!

What do you want to do?

I want to buy a rental property.	Whether you want to buy a house for rental income, a duplex, triplex or 4-unit building, Desjardins has the right mortgage for you. To find out more, see Mortgage loan.
I need financial breathing room to cover current expenses.	A line of credit and credit card are essential to effectively manage your affairs. To find out more, see Line of credit and VISA Desjardins credit cards.
I want to put the revenue from my buildings to work.	Desjardins offers a broad range of sound investment products. Select the ones that best suit your investor profile. To find out more, see Savings and investment or Our experts.
I want to make renovations on my rental properties, but I do not have the necessary liquidities.	Accord D financing can make it possible for you to go ahead with renovations or any other project.
I want to simplify my day-to-day transactions.	What if you could Have your tenants transfer their rent directly into your account instead of writing rent cheques? Pay your bills and municipal and school taxes online at your convenience? Reconcile your monthly account statements online? You can use our AccèsD Internet service to do all this and much more! To find out more, see Available functions.
I want to open a separate account to manage my rental properties.	Choose the account and plan that best suit your day-to-day transaction needs from our wide range of options. To find out more, see Accounts and service charges.
I am looking for comprehensive insurance for my building.	Get the coverage you need, competitive rates and unfailing service. Optional coverage is available, such as insurance against water damage. To find out more, see Home insurance.
I would like to get advice on wealth management all the way through to the distribution of my assets to my heirs.	Get helpful guidance and all the means available to you for wealth management, portfolio diversification, financial security and estate planning. To find out more, see Asset management.
I’m looking for general and tax information about rental properties.	For additional information, see the useful links to government sites and those of various organizations.
I want to save on my taxes.	Convert your personal debts, the interest of which is not deductible, into a new debt to cover your rental property expenses, the interest of which is deductible. To find out more, see Cash damming technique.