Desjardins Mortgage Rates
The main mortgage services offered by Desjardins
First-time home purchase
Mortgage renewal
Mortgage refinancing
Mortgage for rental property
Purchase & Renovation
Mortgage pre-approval
Solutions to everything
What Xperto adds to the equation
The Steps in a Few Words
How does a mortgage pre-approval work?
First Step
Analysis of your budget.
Second Step
Submission of supporting documents (income, down payment, etc.).
Third Step
Validation of your borrowing capacity.
Fourth Step
Pre-approval issued by the institution.
Desjardins Mortgage Rate Comparison 2025
| Term | Desjardins Displayed Rate | Rate Negotiated with Xperto (up to) |
|---|---|---|
| 5-Year Fixed Rate | 5.24 % | 4.89 % |
| 5-Year Variable Rate | 6.15 % | 5.75 % |
| 3-Year Fixed Rate | 5.39 % | 5.10 % |
Displayed rates may vary depending on the borrower’s profile. Contact us for a personalized simulation.
Each has its advantage
Fixed or Variable Rate: Which One to Choose?
Our brokers clearly explain the advantages of each option, based on your priorities: security, flexibility, potential savings.
Fixed Rate
Variable Rate
Our Advantages
Why go through Xperto and not directly through Desjardins?
Free Service
No Pressure
One for All
Time Saving
What Our Clients Say
Professional, devoted and always here for you, this is in breef my experience with Xperto Mr.Antoine feghali and Mme Bahaa Bou Aboud, keep up the good work guys!
Great collaboration with Domenico. My case wasn’t the easiest, but Domenico was able to find a solution! My family and I thank you again for allowing us to purchase our duplex! 100% recommended!
I would like to express my great satisfaction with our Mortgage Broker, Antoine Geha. He offered us the best mortgage options tailored to our situation. I truly appreciate his clear and transparent communication throughout the process, his negotiation skills, and his follow-up even after the closing of our purchase. In summary, I highly recommend Antoine Geha and the Xperto mortgage firm.
We guide you at every step
Required Documents to Start an Application
Don’t panic! We know it can seem like a lot, but we are here to guide you every step of the way. With Xperto, everything becomes simpler — we support you and make the process easier.
Proof of income (pay stubs, tax assessments)
Bank account statements
Proof of down payment
Identification document
Frequently Asked Questions about Desjardins Mortgages
A variable rate often starts lower than a fixed rate. It follows the prime rate. This can be advantageous if interest rates remain low, but you need to be comfortable with the risk of an increase.
Yes, Desjardins generally allows annual prepayments (e.g., 15% of the initial balance) as well as an increase in periodic payments. Conditions may vary depending on the chosen product.
About 3 to 6 months before the term ends, Desjardins offers you a renewal proposal. But you can compare with other lenders (via Xperto) to renegotiate or transfer your loan.
Fees may include: appraisal fees, notary fees, mortgage insurance fees (CMHC if down payment < 20%), etc. We help you estimate the total cost before signing.