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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

39-month closed fixed-rate mortgage

5.29% 3

This rate stays the same for 39 months.

5-year closed fixed-rate mortgage

5.59% 4

This rate stays the same for 5 years.

5-year closed reduced variable rate mortgage

6.95% 4

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

See our mortgage rates 6 and their key features so you can pick a mortgage tailored to your needs.

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.

Get pre-approved.

Renew your mortgage

Choose among our customized options and renew your mortgage quickly and easily.

Renew your mortgage.

Transfer your mortgage to us

Get a mortgage that fits your situation and needs. We can help you every step of the way.

Transfer your mortgage to us.

Mortgage products


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.

Your home­buying 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.

Buying a second home

Learn all about buying and financing a second home.

See our tips for buying 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.

Learn more about refinancing.

Pay off your mortgage faster

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

See how to pay off 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!

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

We can also call you when it's convenient.

† 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 offer is available for any mortgage financing application granted by a Desjardins caisse in the province of Quebec only. For new applications approved by Desjardins between April 1 and June 30, 2024, the first disbur­sement of the mortgage or loan linked to a Versatile Line of Credit must be made no later than September 30, 2024.

The cash back will be disbursed for mortgages used to purchase an eligible building of 4 units or less. The property must be your primary residence. Self-builds and mobile homes on leased land are not eligible. Contact a Desjardins advisor for all the conditions, exclusions and limitations of the offer. You must meet all the require­ments to get the offer.

All financing subject to Desjardins credit approval.

To be eligible for the cash back, you must purchase home insurance with Desjardins General Insurance Inc. or The Personal General Insurance Inc. Certain conditions, exclusions and limitations may apply.

This offer is subject to change or termination without notice.
Only mortgage loans or loans linked to the Versatile Line of Credit worth $100,000 or more and with a minimum term of 48 months. Subject to a credit check. This offer may change or be revoked at any time.

The loan must be for an owner-occupied residential property of 1 to 4 units.

This offer applies only to mortgage transfers from other financial institutions. This offer does not apply to changes made to an existing Desjardins mortgage, additional loan disbursements, renewals, new mortgages, to transfers of a Desjardins mortgage to a Versatile Line of Credit or mortgage transfers from one caisse to another. Other conditions, exclusions or limitations may apply. Contact an advisor to learn more.
This promotion is available for a limited time to individuals taking out a closed 39-month fixed-rate mortgage with a maximum 25-year amortization to purchase a residence or an owner-occupied building with up to 4 units. Valid for mortgage transactions and renewals in Quebec and Ontario. For new mortgages, the rate will be guaranteed until July 31, 2024, which is the deadline to make the disbursement. The rate cannot be customized. The promotion may be combined with cash back offers, subject to the applicable conditions being met. The rate is subject to change without notice. Other conditions or exclusions may apply. This offer may end at any time without notice and is subject to credit approval. Please 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.