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.
5-yr Fixed
2.29%5-yr Variable
1.60%3-yr Fixed
2.14%10-yr Fixed
3.64%
Desjardins Mortgage Rates
Rates updated:
| Provider | 5 Year fixed | 5 Year variable | 3 Year fixed | 10 Year fixed |
|---|---|---|---|---|
Best market rate | 1.74% view provider | 0.98% Prime -1.47 view provider | 1.53% view provider | 2.74% view provider |
2.37% | 1.55% Prime -0.90 | 2.24% | 4.09% | |
2.29% | 1.75% Prime -0.70 | 2.24% | 3.24% | |
2.44% | 1.55% Prime -0.90 | 2.14% | 3.30% | |
2.37% | 1.54% Prime -0.91 | 3.49% | 6.09% | |
2.29% | 1.60% Prime -0.85 | 2.14% | 3.64% | |
2.49% | 1.60% Prime -0.85 | 2.24% | 5.80% |
Let us help you find the best mortgage rates
Still don't know what you're looking for? Don't worry. We’ll find the best rates for you in less than 2 minutes.
Step by step
How it works
Compare the best rates
Answer a few quick questions and see the lowest rates you can qualify for.
Apply online
Apply for your mortgage instantly and easily using our secure online application.
Connect with our mortgage advisors
Questions or comments? Book a call and one of our mortgage advisors will walk you through all the details
MORTGAGE CALCULATORS
Not sure where to start? Check out our tools to get started
Desjardins: Frequently asked questions
Are Desjardins rates lower than other banks?
How do I get a mortgage with Desjardins?
Can you negotiate a mortgage rate?
Get today’s best mortgage rate
Let us help you determine which rate best suits your individual needs by answering a few short questions about your home and financial history.
help me find my rateeducation centre
Want to learn more? Check out our comprehensive education centre
Desjardins mortgage rates overview
Jamie David, Business Director Mortgages
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 Ratehub.ca. 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 Ratehub.ca 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.
read linkedin bioAbout Ratehub
We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.
How does Ratehub.ca make money?
Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.
How are CanWise Financial and Ratehub.ca connected?
Both Ratehub.ca and CanWise Financial are owned and operated by Ratehub Inc. When comparing mortgage rates on Ratehub.ca, 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.