Rates - Mortgage loans

Find the rate that best meets your needs. Use our Mortgage Payment Calculator to see what your payments will be.

Limited-time offer: Lock in your mortgage rate until June 30, 2021.

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Current rates on March 7, 2021

Most popular mortgages

Mortgage Interest rate
5-year fixed-rate mortgage 2.04%
7-year fixed-rate mortgage 2.19%
5-year reduced variable rate mortgage 1.99%

Closed fixed-rate mortgage

Term Interest rate
6 months 4.40%
1 year 2.79%
2 years 2.94%
3 years 3.49%
4 years 4.09%
5 years 4.74%
7 years 5.39%
10 years 5.79%

Open fixed-rate mortgage

Term Interest rate
6 months 6.95%
1 year 6.95%

Variable-rate mortgage

Term Interest rate
Open regular 3.45%
Closed reduced 2.45%
Closed protected 2.70%
"5-in-1" Yearly Rate Resetter (closed) 2.79%

Food for thought

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Get things done with an equity line of credit

Our Versatile Line of Credit mortgage loan lets you use your home equity as financial leverage to renovate, contribute to your RRSP, save for the unexpected or carry out a project.

Learn more about our equity line of credit

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Montreal area:
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Elsewhere in Canada and the U.S.:
1-844-626-2476

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Rates are subject to change without prior notice. Rates may vary according to your credit rating, the amount borrowed, guarantees offered and other factors. Certain conditions may apply.

Rates may differ if the amortization of your mortgage is greater than 25 years. Please contact a Desjardins advisor for more information.

These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.

  1. Certain conditions apply. Offer conditional upon credit approval. This offer may be changed or revoked at any time without notice. Depending on the mortgage loan you choose, the rate or rate spread is guaranteed until June 30, 2021. The rate guarantee becomes effective when the application is approved by Desjardins.
  2. Certain conditions apply.
  3. In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming that there are no additional charges applicable to the loan. Should there be such charges, the APR might be different.
  4. Contact your advisor to see if the offer you want is suitable for your situation, especially if the term is over 5 years.
  5. Protected variable rate ceiling is 4.74%.
  6. This rate is for a 1-year fixed rate mortgage. The rate may change on the anniversary of the mortgage. For new mortgages, a promotional rate may apply the first year.