Mortgage loan

Whether you're a US citizen, permanent resident or non-resident of the US, Desjardins Bank has a mortgage with an interest rate that fits your needs and lifestyle.

• Eligible property types^[ 2 ]
  • Single family home
  • Townhouse
  • Condo unit
  • Mobile home with lot
  • Cooperative housing unit
• Minimum loan amount^[ 3 ]
  $100,000
• Interest rate
  Fixed rate based on the initial term selected and the amount granted.
  For interest rates, contact a Desjardins Bank branch.
• Terms
  1, 3, 5, 7 or 10 years
• Amortization
  30 years
• Early repayment
  No prepayment penalties
• Taxes and insurance
  Must be paid monthly, at the same time as the mortgage principal and interest.
• Settlement agent
  (Equivalent to a notary in Quebec or a lawyer in Ontario)
  • All loans to purchase a cooperative housing unit must be settled by Dubow, Dubow & Wallace.
• Cost estimate
  If you plan on buying a property, your advisor can provide you with an estimate of the related costs (once you've received the Loan Estimate document 3 business days after submitting your application).
• Desjardins caisse members
  If you're a member of a Desjardins caisse and you're registered for AccèsD, you can accelerate the application process by printing out a copy of the Detailed view under Financial summary in AccèsD and bringing it to your appointment.