Desjardins Mortgage Rates
Source: https://www.desjardins.com/ca/personal/loans-credit/mortgages/posted-rates/index.jsp
Last updated April 29, 2026.
Desjardins (Desjardins) was founded in 1900 and is regulated by AMF (Quebec). Mortgages are originated through branch, broker, online channels. Standard prepayment privileges allow up to 15% annual lump sum and up to 100% payment increase per year.
Rates shown are updated daily and are not an offer of credit. Actual rates require lender approval and may differ. Discounted rates are the bank's own published special-offer rates; a mortgage broker can often secure a lower rate than what's shown. See our methodology.
| Term | Posted | Discounted |
|---|---|---|
| 1-Year Fixed | — | |
| 2-Year Fixed | — | |
| 3-Year Fixed | 4.79% | |
| 4-Year Fixed | — | |
| 5-Year Fixed | 4.99% | |
| 7-Year Fixed | — | |
| 10-Year Fixed | — | |
| Variable | 4.85% |
Lender facts
- Founded
- 1900
- Regulator
- AMF (Quebec)
- Channels
- Branch, Broker, Online
- Prepayment
- 15% lump sum / 100% payment increase
- Notes
-
- Largest financial cooperative in North America. Dominant in Quebec; serves all of Canada through Caisse populaires and Zag Bank.
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