Mortgages
Key features
What are your plans?
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Buying a home
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Renewing your mortgage
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Transferring your mortgage
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Managing your mortgage
(accelerated payments, prepayment charges, move-in date, etc.)
Find the mortgage that's right for you
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Compare our mortgages
Fixed or variable rate? Fixed or variable payments? Open or closed? Compare and choose.
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Use the Home Buyer's Plan
Use your RRSP funds to buy a home.
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Get a cash remittance
Get a cash remittance to cover some of the expenses that come with buying a home.
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Take advantage of the Green Homes Program
Get cash back, freebies and great rates when you buy a new home or do green renovations.
Online tools
Buying your first home
If you're a Desjardins member, log in to AccèsD to walk through the key steps of the buying process and to:
- Calculate your budget
- Estimate your monthly payments
- Get pre-approved
On AccèsD, go to the Home section and click Prepare to buy.
- Subject to credit approval by the Fédération des Caisses Desjardins du Québec. Some conditions, exclusions and restrictions may apply.
- Loan insurance is offered by Desjardins Insurance. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
- Home insurance is offered by Desjardins Insurance. Desjardins Insurance refers to Desjardins General Insurance Inc.
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This offer is available for any new mortgage financing request granted by a Desjardins caisse in the province of Quebec only between October 1 and December 31, 2022. The first disbursement of the mortgage loan/loan linked to a Versatile Line of Credit must be done no later than March 31, 2023.
Cash back is awarded on mortgage financing used to buy an eligible owner-occupied building with up to 4 units, particularly excluding DIY homebuilding projects and mobile homes on rented land, and if all offer conditions are met. For all applicable conditions, exclusions and limitations, speak with your Desjardins advisor.
All financing is subject to Desjardins credit approval.
To be eligible for cash back, you must purchase home insurance with Desjardins General Insurance Inc. or The Personal General Insurance Inc. Subject to underwriting conditions. Limitations and exclusions apply.
This offer is subject to change and can end without notice.
This offer cannot be combined with caisse promotions other than the Green Homes Program. Only one cash back granted per financed property.