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
6.49%
This rate stays the same for 5 years.
5-year closed reduced variable rate mortgage
7.15%
This rate varies with the 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. We can help you every step of the way.
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.
Your homebuying plans
Buying a home
Thinking of buying your first home? Read on to see how you can prepare.
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
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.