Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
Renew your mortgage
Is your mortgage maturity date approaching? We offer several options and will help you choose the one that is best for your situation.
Your mortgage is with another financial institution? Discover the advantages you would get from transferring your mortgage to Desjardins.
Your options
- Renewing your loan
- Re-evaluating your needs and updating your file
- Diversifying your mortgage with the Versatile Line of Credit
- Insuring your loan
Renewing your loan
Before maturity
Your mortgage will be due in a few months and you want to find out what the best options are for you? Desjardins allows members to renew their mortgage loan before maturity under certain conditions. Ask an advisor at your caisse for more information about renewing before maturity.
At maturity
If you simply want to renew your mortgage, your Desjardins advisor can suggest tools and personalized strategies to help you manage your loans.
Re-evaluating your needs and updating your file
Your situation and needs change over time. Perhaps your income has increased or you have new projects since you negotiated your mortgage. It's very useful to determine or update your borrowing profile when you renew your mortgage. Knowing your profile will help you pick the mortgage that is best suited to your circumstances. Ask your Desjardins advisor to help you determine your borrowing profile.
Diversifying your mortgage with the Versatile Line of Credit
Renewing your mortgage is the perfect time to get this line of credit with security of mortgage1 which lets you:
- finance your home and other projects (trip, renovations, children's tuition, etc.)
- manage your loans and vary your payment dates at a better rate
Find out more
Insuring your loan
In the event of disability, Desjardins Financial Security Loan Insurance covers the insured portion of your mortgage payments. In case of death, Loan Insurance covers the insured balance of your mortgage.
Find out more
See Loan Insurance.
Did you know?
There are many ways to pay your mortgage off faster and, by the same token, save in interest costs. For example, you could opt for weekly or bi-weekly payments instead of monthly payments. Some mortgages even allow you to make additional payments if
your income changes and you are able to do so. Have a look at a list of tips that will help you pay off your mortgage faster.
View the complete list of our mortgages.
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 At the caisse
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Documents to bring to your meeting. |
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1. Legal fees may apply.
Interest rates
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Various loans and terms |
Other mortgage rates