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Mortgages
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- Products
- Compare our mortgages
- Needs related to housing
- Documents to bring to your meeting with an advisor
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
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.
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.
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
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.
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.
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
Compare our mortgages
| What you are looking for | Solutions and main features | Advantages |
|---|---|---|
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Open or closed fixed-rate loan
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Open or closed fixed-rate loan
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"5 in 1" Yearly fixed-rate resetter loan
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Protected variable-rate loan
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Variable reduced-rate loan
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Regular variable-rate loan
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Versatile Line of Credit
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Download the Compare our mortgage loans table (PDF, 147 KB) - This link will open in a new window..
Needs related to housing
- Becoming a homeowner
- Buying your first home
- Buying a second home
- Building your own home
- Renovating your home
- Green Homes Program
- Insure your home and protect your family
- Renewing your mortgage with Desjardins
- Transferring your mortgage to Desjardins
- Managing your mortgage
- Refinancing to use your home equity
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
- 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
Desjardins Insurance refers to Desjardins General Insurance Inc.
Client services
Emergency support
Useful links
| Term | Rate* |
|---|---|
| Various loans and terms | Starting from 1.84%* |
* Certain conditions apply. Find out more