Mortgages
Our calculators, products and mortgage rates can help you get the financing you need. Looking to buy, sell or renovate your property? EspaceProprio, a Desjardins initiative, is here to help.
Special mortgage rates
4-year closed fixed-rate mortgage1
4.49%
This rate stays the same for 4 years.
5-year closed fixed-rate mortgage1
4.49%
This rate stays the same for 5 years.
5-year closed reduced variable rate mortgage1
4.60%
This rate varies with our prime rate
See our mortgage rates
What do you want to do?
Get pre-approved
Apply for pre-approval to lock in your rate and see how much you can borrow.
Renew your mortgage
Choose among our customized options and renew your mortgage quickly and easily.
Transfer your mortgage to us
Get a mortgage that fits your situation and needs. You could even get $1,200 cash back by switching your mortgage over to us.
Mortgage products
Mortgages
Learn the basics so you can choose the mortgage option that's right for you.
Versatile Line of Credit
Carry out your goals with a financing option that combines the benefits of a mortgage and a home equity line of credit.
Your homebuying plans
Buying a home
Learn the steps involved in buying a home and see how you could get up to $4,000 in cash back.
Buying a second home
Learn all about buying and financing a second home.
Get help with a down payment on your first home
Get the most out of your mortgage
Refinance your mortgage
Use the value of your home to borrow new money for other projects.
Pay off your mortgage faster
There are a few ways to pay off your mortgage faster, like increasing the amount of your payments.
Insure your mortgage and home
Loan Insurance
Protect your mortgage so you and yours can rest easy if something happens.
Home insurance
Whether you own a house, condo or a second residence, insure your home and belongings against fire, theft and water damage.
Manage your mortgage online
AccèsD is an easy, fast and secure tool you can use to plan the purchase of your first home. Use it anywhere, anytime!
Download the Desjardins mobile services app
Contact us
By phone
Monday to Friday: 8 AM to 9 PM
Saturday: 9 AM to 6 PM
Elsewhere in Canada:
1-844-626-2476 Canada-wide mortgage services. This link opens your phone app.
We can also call you when it's convenient.
Rates may differ if your amortization is over 25 years. Contact an advisor for more information.
Interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.