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Mortgages

Get the financing you need with the help of our products, calculators and rates.

Special mortgage rates

39-month closed fixed-rate mortgage

5.29% 1

This rate stays the same for 39 months.

5-year closed fixed-rate mortgage

5.29% 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 rate 3 , but maintains a rate spread guaranteed for 5 years.

See our mortgage rates 4 and their key features so you can pick a mortgage tailored to your needs.

See all 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.

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

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.

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

Tax-Free First Home Savings Account (FHSA)

Home Buyers' Plan (HBP)

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!

Log in to AccèsD

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
Find a mortgage representative

Contact us

By phone

Monday to Friday: 8 AM to 9 PM
Saturday: 9 AM to 6 PM

Montreal area:
514-745-9499 Montreal-area mortgage services. This link opens your phone app.

Elsewhere in Canada:
1-844-626-2476 Canada-wide mortgage services. This link opens your phone app.

We can also call you when it's convenient.

Schedule a call  with the mortgage financing team.
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 August 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.