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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

5-year closed fixed-rate mortgage

6.29% 1

This rate stays the same for 5 years.

5-year closed reduced variable rate mortgage

7.00% 1

This rate varies with the prime rate 2 , but maintains a rate spread guaranteed for 5 years.

See our mortgage rates 3 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.

Learn more about buying your first home.

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.

Follow our tips for renovating your home.

Buying a second home

Learn all about buying and financing a second home.

See our tips for buying a second 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.

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


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.

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 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.
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.