Mortgages
Learn more about our turnkey support† to make your dream of owning a home a reality. Our calculators, products and mortgage rates can help you get the financing you need.
Special mortgage rates
5-year closed fixed-rate mortgage
5.54%1
This rate stays the same for 5 years.
5-year closed reduced variable rate mortgage
6.50%1
This rate varies with the prime rate2, but maintains a rate spread guaranteed for 5 years.
See our mortgage rates3 and their key features so you can pick a mortgage tailored to your needs.
Your plans as a first-time homebuyer
Buying a home
Thinking of buying your first home? Read on to see how you can prepare.
Get help with your down payment
Other home projects
Renovating your home
Assess your needs, estimate labour costs, make a budget and look at financing options.
Buying a second home
Learn all about buying and financing a second home.
Moving to a new home
Follow our tips as you sell your home and buy a new one.
Discover the benefits of getting pre-approved
Get pre-approved to show you're a serious buyer and see how much you can borrow. No commitment is required, and you'll guarantee your rate for a fixed period.
Mortgage products
Mortgages
Learn the basics so you can choose the mortgage option that's right for you.
Versatile Line of Credit
Use this home equity line of credit to finance your home or projects.
What are your mortgage plans?
Renewing your mortgage
A few weeks before the end of your term, check whether you can take advantage of the market and renew your mortgage without any prepayment charges.
Transferring your mortgage to us
Choose a mortgage that's a better fit for your financial situation and needs. We can help you every step of the way.
Refinancing your mortgage
Use the value of your home to borrow new money for other projects.
Paying 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
Meet with a mortgage representative
- Available to help you with all your mortgage needs
- Available days, evenings and weekends
- Able to meet you at your home, workplace or anywhere else you choose
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 call you when it's convenient.
Mortgage products are subject to Desjardins credit approval. Certain conditions, limitations and exclusions may apply. Mortgage products are offered based on your needs. Speak with a Desjardins advisor to find the right ones for you.
Loan insurance is a product offered by Desjardins Insurance. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
Home insurance is a product of Desjardins General Insurance Inc. in Quebec, provider of automobile, property and commercial business insurance, and of Certas Direct Insurance Company in Ontario, underwriter of automobile and property insurance.
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.