4. Mortgage loans
Mortgage loan - 1.5% rate discount For a limited time, we offer you prime rate less 1.5%*! Find out more * Only during the first year. Certain conditions apply. |
Long-term loan for the purchase of single-family homes, condominiums, second homes and multiple-unit residential buildings (four units or less). For your major renovations such as kitchen or bathroom improvements or the addition of a garage.
Features
- Six-month to 10-year terms.
- You select the payment frequency: weekly, every two weeks or monthly.
You would like to:
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Compare the different Desjardins mortgage loans. |
Find out about our mortgages and their features. |
Choose the most appropriate mortgage for you. |
Discover your borrowing profile |
Know the difference between a closed loan and an open loan, and between a fixed rate and a variable rate. |
Get simple definitions of these various types of loans and rates |
Find out the maximum amount you can borrow to buy a house. |
Before you look for a property, determine how much you can borrow with the Preauthorized Mortgage |
Borrow, but you don't have the downpayment necessary. |
It's possible to borrow with the 100% financing mortgage solution |
Transfer or renew your mortgage. |
Make the right choice when the time comes to renew your mortgage |
Borrow to carry out other projects, but you already have a mortgage loan. |
You can re-borrow money already paid on your mortgage loan, without legal fees, thanks to the Multiproject Option |
Find a flexible line of credit, taking into account that you're a homeowner. |
The Versatile Line of Credit allows the use of home equity to finance your projects. |
Make sure your mortgage payments will not increase if there's a major hike in interest rates. |
When you renew your mortgage, protect yourself from interest rate hikes with the Homeowner's Protection |
Use your RRSP to buy a house. |
Use your RRSP for a downpayment thanks to the Home Buyers' Plan (HBP) |
Know if it would be advantageous to insure your mortgage. |
The Loan Insurance offers protection that ensures reimbursement of the loan in the event of disability or death. |
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Find out about our ongoing promotions
The Desjardins difference: member dividends
Take out a mortgage loan at your caisse and get a better interest rate.
Find out more about member dividends
Interest rates
Term |
Rate |
|---|---|
"5-in-1" Yearly Fixed-Rate Resetter Mortgage Loan |
5.95% |
5 years (Closed fixed) |
6.85% |
Reduced variable rate |
4.45% |
