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
5.94%5-yr Fixed
Desjardins
6.85%5-yr Variable
Desjardins
6.44%3-yr Fixed
Desjardins Mortgage Rates
Rates updated:
| Provider | 5 Year fixed | 5 Year variable | 3 Year fixed |
|---|---|---|---|
Best market rate | 5.54% | 5.95% Prime -1.25% | 5.99% |
5.89% | 6.95% Prime -0.25% | 6.70% | |
5.92% | 6.80% Prime -0.40% | 6.58% | |
6.39% | 7.10% Prime -0.10% | 6.64% | |
5.89% | 6.70% Prime -0.50% | 7.14% | |
5.84% | 7.00% Prime -0.20% | 6.71% | |
5.94% | 6.85% Prime -0.35% | 6.44% |
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.
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
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?
Check out the best current mortgage rates
Want to learn more? Check out our comprehensive education centre
Desjardins mortgage rates overview
Jamie David, Sr. Director of Marketing and 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.
Jamie David, Director of Marketing and Head of Mortgages
Jamie has 15+ years of business and marketing experience. She contributes her mortgage expertise to The Globe and Mail and authors Ratehub’s mortgage and homebuying guides. read full bio
About Ratehub.ca
Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.
When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.
Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.
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?
We own and operate a mortgage brokerage, Ratehub.ca (formerly known as CanWise Financial), and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a Ratehub.ca & CanWise is a licensed mortgage brokerage and CMHC-approved lender. When comparing mortgage rates on Ratehub.ca, you’ll see rates from a number of lenders, including CanWise. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us. Both Ratehub.ca and CanWise are owned and operated by Ratehub Inc.
We’re proud of our Ratehub.ca mortgage brokerage, which offers our users great rates, trusted advice and an award-winning team of mortgage experts. Read any of our 6,700 five-star Google and Facebook reviews and you’ll see what we mean.