Mortgage loan

Thinking about buying a home or renewing your mortgage? Have a look at the rates on our mortgage loans.

Current promotions

Mortgage loans	Promotions for new mortgages*
“5 in 1” Yearly Rate Resetter Mortgage	1.5%** interest rate discount and 1.5% cashback
Reduced Variable-Rate Mortgage	2.6% interest rate
63-Month Fixed-Rate Mortgage	3.99% interest rate or 4.29% interest rate and 1.1% cashback

Take out or renew a Desjardins mortgage and you could win up to 1.5% of your mortgage amount in Desjardins BONUSDOLLARS. The Win 1.5% More contest runs from April 1 to September 30, 2010.

Current official rates on September 5, 2010

Residential mortgage loan (6 months to 10 years) – Closed fixed rate 

Term	Interest rate
6 months	3.75%
1 year	3.50%
2 years	3.75%
3 years	4.20%
4 years	5.04%
5 years	5.39%
7 years	6.45%
10 years	6.60%

Residential mortgage loan – Open fixed rate 

Term	Interest rate
6 months	6.75%
1 year	6.70%

Variable rate residential mortgages 

Open regular variable rate	Closed reduced variable rate	Closed protected variable rate1	"5-in-1" Yearly Fixed-Rate Resetter (closed)2
3.75%	2.75%	3.35%	3.00%

1. Protected rate ceiling is 5.39%.
2. Rate may change on each loan anniversary date. A promotional rate may apply to year 1. Certain conditions apply.

Line of credit with security of mortgage

Type	Interest rate
Versatile Line of Credit ($25,000 or more)	For the current rates, contact an advisor at a caisse.

The Multiproject Option is available exclusively to members with a Desjardins mortgage. Find out more about Multiproject Option.

Last update: August 26, 2010
Rates are subject to change without prior notice. Rates may vary according to your credit rating, the amount borrowed, guarantees offered and other factor. Certain conditions apply.
These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.
For additional information, please contact an advisor at a caisse.