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Desjardins Mortgage Rates

Below you'll find the best mortgage rates from Desjardins. Be sure to compare rates between lenders to get the best product for you.

Desjardins Mortgage Rates

Rates updated:

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Provider5 Year fixed5 Year variable3 Year fixed

Best market rate


Prime -1.60

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Prime -1.00






Prime -0.70




Prime -1.05





Prime -0.86






Prime -0.85





Prime -0.75




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Desjardins: Frequently asked questions

Are Desjardins rates lower than other banks?

How do I get a mortgage with Desjardins?

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Let us help you determine which rate best suits your individual needs by answering a few short questions about your home and financial history.

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Desjardins mortgage rates overview

The Desjardins Group is the largest federation of credit unions in both Canada and all of North America. For most customers, however, Desjardins operates more like one of Canada's Big 6 Banks than a small credit union.

For prospective homebuyers, Desjardins offers a range of retail mortgage products, which are outlined below. Once you've had a look through, use the tools at the top of this page to compare multiple mortgage rates and products for free. It's only by comparing what lenders will offer you that you'll really be able to understand what kind of mortgages are available to you.

Desjardins mortgage products

Desjardins offers a range of mortgage products to suit most mortgage needs. Below is a brief description of most of the products available.

Fixed-rate mortgages

Desjardins offers fixed mortgage rates in a variety of term lengths, with rates that are competitive with the other big banks in Canada. Closed fixed-rates are available with term lengths of 6 months, 1 to 5 years, 7 years, or 10 years. Open fixed-rate mortgages are available in a 6-month or 1-year term. Desjardins has relatively flexible repayment options on closed fixed-rate mortgages.

Variable-rate mortgages (fixed or variable payments)

Desjardins offers variable rates with both fixed and variable payments. The fixed payment option is available with closed rates on a 5-year term, with options to increase your payments.

For more adventurous borrowers, Desjardins offers variable rates with variable payments on a closed 5-year term or an open term of 1 or 2 years.

Versatile Line of Credit

This is Desjardins' Home Equity Line Of Credit (HELOC) product, which gives you access to a revolving line of credit secured by your home equity. 

Author bio

Jamie David

Jamie David is the Business Director of Mortgages at A graduate of the Systems Design Engineering program at the University of Waterloo, she has over 15 years of business, marketing, and engineering experience in the financial technology, banking, education, energy and retail industries. She has worked in top organizations like TD Bank, Trading Pursuits, Petro-Canada, and the TTC. Her passion for personal finance, investing, education, and business strategy brought her to where she heads a very talented, cross-functional team that is dedicated to providing Canadians with the best mortgage experience all the way through from online search to (keys-in-your-hand) funded mortgage.

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How are CanWise Financial and connected?

Both and CanWise Financial are owned and operated by Ratehub Inc. When comparing mortgage rates on, you’ll see rates from a number of lenders and mortgage brokers, including CanWise Financial. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us.

We’re happy to send users to CanWise because of their great rates, trusted advice, and experienced mortgage team. Read any of their 3,300 five-star Google and Facebook reviews and you’ll see what we mean.