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Mortgages

Learn more about our turnkey support† to make your dream of owning a home a reality. Start planning with our mortgage calculators. Contact us with your questions, to get pre-approved or to apply.

Schedule a call with the mortgage financing team

Special mortgage rates

39-month closed fixed-rate mortgage

4.99%1

This rate stays the same for 39 months.

5-year closed fixed-rate mortgage

5.54%2

This rate stays the same for 5 years.

5-year closed reduced variable rate mortgage

6.50%2

This rate varies with the prime rate3, but maintains a rate spread guaranteed for 5 years.

See our mortgage rates4 and their key features so you can pick a mortgage tailored to your needs.

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, 2023.5

Your plans as a first-time homebuyer

Buying a home

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

 Learn more about buying your first home.

Get help with your down payment

Home Buyers' Plan (HBP)

Tax-Free First Home Savings Account (FHSA)

Other home projects

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 can 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
† Products may be selected independently of each other. The mortgage rate isn't determined based on other products held.

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. This promotion is available for a limited time to individuals taking out a closed 39-month fixed-rate mortgage to purchase a residence or an owner-occupied building with up to 4 units. For a new mortgage, the loan must be disbursed by July 31, 2023. Subject to credit approval. This offer may end at any time without notice. The rate cannot be customized and is subject to change without notice. Valid for mortgage transactions in Quebec and Ontario. This offer cannot be combined with any other offer or promotion, including cash back and rate discounts. Other conditions or exclusions may apply. Contact your Desjardins advisor. You must meet the eligibility criteria to receive the promotion. The Desjardins prime rate was previously called the Caisse centrale Desjardins prime rate. Rates are subject to change without notice. Unless otherwise indicated, they may vary according to factors such as your financial history or the purpose of your loan.

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. 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.