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Mortgages

Discover our mortgage options for buying your first home, renewing your mortgage or transferring it over to us. Use our calculators to see where you stand. Get in touch and we'll help you get started.

Schedule a call with the mortgage financing team

Special mortgage rates

5-year closed fixed-rate mortgage

5.69%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 all mortgage rates

Take advantage of our offer and get an extended rate guarantee

For a limited time, get pre-approved or apply for a mortgage and we'll reserve your rate until June 30, 2023.3

Your plans

Buying a home

Thinking of buying your first home? Read on to see how you can prepare.

 Learn more about buying your first home

Moving to a new home

Follow our tips as you sell your home and buy a new one.

 Follow our tips for selling your home and buying another.

Renovating your home

Assess your needs, estimate labour costs, make a budget and look at financing options.

 Follow our tips for renovating your home.

Start by getting pre-approved

Get pre-approved to show you're a serious buyer and see how much you could borrow. No commitment is required, and you'll guarantee your rate for a fixed period.

Learn more about mortgage pre-approval

Mortgage products

Mortgages

Learn the basics so you can choose the mortgage option that's right for you.

 See our mortgages

Versatile Line of Credit

Use this home equity line of credit to finance your home or projects.

 Discover the Versatile Line of Credit

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.

 Renewing your mortgage.

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.

 Read more about transferring your mortgage over to us.

Refinan­cing your mortgage

Use the value of your home to borrow new money for other projects.

 Learn more about refinancing.

Paying off your mortgage faster

There are a few ways to pay off your mortgage faster, like increasing the amount of your payments.

 Learn more about paying down your mortgage faster.

Insure your mortgage and home

Loan Insurance

Protect your mortgage so you and yours can rest easy if something happens.

 Learn more about Loan Insurance

Home insurance

Whether you own a house, condo or a second residence, insure your home and belongings against fire, theft and water damage.

 Learn more about home insurance

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!

Log in to AccèsD

Download the Desjardins mobile services app

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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
Find a mortgage representative
These rates are subject to change without notice. They may be personalized and vary with several criteria such as your financial profile or your project.

Rates may differ if your amortization is over 25 years. Contact an advisor for more information.

These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses. You must meet the eligibility criteria to receive the promotion. The Desjardins prime rate was previously called the Caisse centrale Desjardins prime rate. Certain conditions apply. Offer conditional upon credit approval. This offer may be changed or revoked at any time without notice. Depending on the mortgage you choose, the rate or rate spread is guaranteed until June 30, 2023. The rate guarantee becomes effective when the application is submitted by your advisor.