Choose province (Canada) or state (United States), and language

Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

Log on to Desjardins online services.
 

You are here: Home > Personal > Cards, loans and credit > Mortgages

Your browser is configured to not accept cookies. Some features of the site are not available or will not work correctly without cookies. Also, some information presented might not apply to your situation.
See How to enable cookies

Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.

Microsoft Edge causes problems on AccèsD. To fix the issue, please install the most recent Windows update.

Mortgages

Promotions

Home solution

Home solution
Learn more >

Products

Do business with the biggest mortgage lender in Quebec

  • Complete range of loans at competitive rates
  • Protection for your loan and your house
  • Calculator tools to help you make the best choice

Choose a fixed or variable rate loan that matches your borrowing profile and financial situation.

  • Are you unbothered by rate fluctuations and looking primarily to save money on interest?
  • Or is interest rate and payment stability more important to you?

We offer many options to meet your needs.

Learn more - Our mortgages

Use the value of your property to diversify your mortgage or benefit from the net worth of your property to finance other projects.

  • Home equity line of credit for owner-occupants of residential properties of 4 units or less
  • Credit limit: minimum $25,000
  • Interest rate: varies based on prime rate
  • Payment schedule: daily, weekly or monthly

Learn more - Versatile Line of Credit – A home equity line of credit

Hybrid mortgages allow you to diversify your loan in order to be able to:

  • combine any kind of mortgage loan
  • mitigate the effects of potential rate fluctuations
  • repay your mortgage your own way
  • control the risks of increased mortgage rates at maturity
  • take into account the distinctive financial flexibility of your co-borrower

Learn more - Hybrid mortgage loans

Shop for your house knowing how much you can borrow.

  • This is particularly useful if you're buying your first home.
  • The preauthorized mortgage makes it easier to plan your budget and negotiate your purchase.

Learn more - Preauthorized loan

Sometimes buying a home includes costs you didn't see coming or ended up being more than you budgeted for, like transfer taxes, property taxes or the cost of moving. Desjardins has an attractive solution to help you cover some of your start-up costs: a cash remittance.

Cash remittance solution for start-up costs

For help covering a portion of the costs, ask an advisor about our cash remittance solution for start-up costs when you're granted a mortgage on a home1. You can get up to $10,000 or the equivalent of 5.5% of the mortgage2 towards start-up costs.

Your mortgage interest rate will be slightly increased3 to reflect the amount of you need.

Advantages

The cash remittance option:

  • Gives you financial flexibility to cover your estimated start-up costs
  • Is more economical than a personal loan, line of credit advance or credit card.

How to evaluate your start-up costs

Start-up costs usually amount to 3% to 5% of the value of the home. For a $240,000 property the costs will be between $7,000 and $12,0004. You must have this amount set aside in addition to your down payment.

To help you estimate how much you'll need, use our start-up costs estimation tools for Quebec - This link will open in a new window. and Ontario - This link will open in a new window..

1. For owner-occupants of residential buildings of 4 units or less.

2. The lower of the 2 amounts.

3. Payments must be within the maximum allowed Gross Debt Service and Total Debt Service ratios.

4. In this case, the cash remittance solution for start-up costs could help you cover up to a maximum of $10,000.

  • Useful if you have a Desjardins mortgage and this clause is already included on your deed of loan.
  • Allows you to re-borrow money already paid on your mortgage to finance various projects.

Learn more -

Government program that makes buying a home easier.

  • Withdraw up to $25,000 per borrower to finance the purchase of a home.
  • Couples can withdraw up to $50,000.
  • RRSP withdrawal is tax-free.
  • 15 years to pay back the withdrawal amount, interest-free.

Learn more - Home Buyers' Plan (HBP)

A comprehensive offer that includes rebates, discounts, great rates and much more.

  • Access to a full range of mortgages at competitive rates
  • Up to $2,000 cashback
  • Discount on your Desjardins Insurance home insurance premium
  • Your monthly plan free for 1 year
  • Free Home Assistance when you take out Loan Insurance
  • Donations to Ecohome when you use your Visa Desjardins card to pay for your purchases

Learn more - Green Homes Program

Compare our mortgages

What you are looking for Solutions and main features Advantages
  • Rate and payment stability

Open or closed fixed-rate loan
3-, 4-, 5-, 6-, 7- or 10-year terms

  • Protection against rate hikes
  • Repayment of the fixed rate loan without penalty up to 15% of the capital yearly
  • Eligible for potential member dividends
  • Rate and payment stability
  • Savings on interest

Open or closed fixed-rate loan
1- or 2-year terms

  • Lower interest rate than a fixed-rate loan with a term of 3 years or longer, but higher than a variable rate loan
  • Possibility of diversifying your loan
  • Find out the current rates
  • Protection against rate hikes
  • Possibility of benefiting from lower interest rates in the short term
  • Repayment of the fixed rate loan without penalty up to 15% of the capital yearly
  • Eligible for potential member dividends
  • Savings on interest
  • Flexibility
  • Payment stability

"5 in 1" Yearly fixed-rate resetter loan

  • 5-year term
  • One year fixed rate, reviewed annually for the 5-year term, with a pre-established discount each year
  • Stable payments adjusted annually according to yearly reviews of interest rates
  • Possibility of diversifying your loan
  • Find out the current rates
  • Rate discount negotiated in advance for the 5-year term on the best closed fixed-rate (1 year)
  • Possibility of a higher discount the first year, which accelerates the repayment of borrowed capital
  • Possibility of conversion to a fixed rate without penalty, on each anniversary date (a rate discount may be agreed upon in advance if the conversion is for a term equal to or greater than the remaining term)
  • Eligible for potential member dividends
  • Payment stability
  • Savings on interest
  • Protection

Protected variable-rate loan

  • 5-year term
  • Variable rate based on prime rate plus a percentage
  • Certain rate limit which can not be exceeded during the term
  • The payment amount is usually set according to the rate limit
  • The excess, if such is the case, is applied directly to the remaining capital
  • Possibility of diversifying your loan
  • Find out the current rates
  • Possibility of benefiting from rate decreases, while being protected from major rate increases
  • Eligible for potential member dividends
  • Optimal interest savings
  • Flexibility

Variable reduced-rate loan

  • 5-year term
  • Variable rate based on prime rate (possibility of variation up or down depending on current special offers)
  • Possibility of diversifying your loan
  • Find out the current rates
  • Major savings on interest rates: usually the lowest available rate
  • Possible to convert at any time without penalty to a closed fixed-rate for a term equal to or longer than the remaining term
  • Eligible for potential member dividends
  • Savings on interest
  • Great flexibility

Regular variable-rate loan

  • 1- or 2-year term
  • Variable rate based on prime rate plus a percentage
  • Payment excess is applied directly to the remaining capital
  • Find out the current rates
  • Lower interest rates than some fixed-rate loans
  • Total or partial repayment of your loan at any time without penalty
  • Eligible for potential member dividends
  • Use the value of your property and benefit from an attractive rate
  • Diversify your mortgage
  • All your credit needs in the same solution
  • Credit available at any time
  • Great flexibility
  • Savings on interest

Versatile Line of Credit

  • Financing tool "par excellence"
  • Possibility of diversifying your loan
  • Withdrawal possible at any time on your credit line
  • Easy access to your credit (ATM, AccèsD, 1-800 CAISSES, cheque or at your caisse)
  • Possibility of transferring cash advances at any time to distinct mortgage or term loans (of $15,000 or more) linked to the Versatile Line of Credit
  • Very attractive interest rate

Download the Compare our mortgage loans table (PDF, 147 KB) - This link will open in a new window..

Documents to bring to your meeting with an advisor

  • Proof of income (pay stub, Federal Notice of Assessment, etc.)
  • Proof of income if you are self-employed (tax returns of the last 3 years)
  • Investment statements
  • Offer to purchase on your new home
  • Municipal and school tax bills
  • Copy of the listing, if the purchase is through a real estate agent
  • Statement of income and expenses, as well as current leases for all units if you are purchasing an income property

Make an appointment with an advisor

  • Proof of income (pay stub, Federal Notice of Assessment, etc.)
  • Proof of income if you are self-employed (tax returns of the last 3 years)
  • Investment statements
  • Plans, quotations and bid from the contractor
  • Copy of the contractor's licence
  • Copy of the preliminary contract (equivalent of the offer to purchase)

Make an appointment with an advisor - This link will open in a new window.

  • Proof of income (pay stub, Federal Notice of Assessment, etc.)
  • Proof of income if you are self-employed (tax returns of the last 3 years)
  • Investment statements
  • Offer to purchase on your new home
  • Municipal and school tax bills
  • Copy of the listing, if the purchase is through a real estate agent
  • Proof of financing granted to the purchaser of your current home
  • Statement of income and expenses, as well as current leases for all units if you are purchasing an income property

Make an appointment with an advisor

Desjardins Insurance refers to Desjardins General Insurance Inc.

Toolbar