Mortgage lender

Desjardins mortgage rates

Checked against Desjardins's own rate page on October 19, 2026: 18 products, lowest fixed offer 4.59% (4 Year Closed Fixed Special); lowest variable offer 4.10% (5 Year Closed Reduced Variable Special).

Desjardins publishes a lender-hosted mortgage pricing page with the rate, term and qualification context used for this public listing.

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Distinct products: 18
Published pricing rows: 18
Published regions: Canada
Last checked: October 19, 2026

Qualification and structure signals present in the public records

Categories: Variable, Fixed
Positions: First mortgage
Term range: 6–120 months
LTV and fee coverage: LTV not stated · fees shown on 18 of 18 rows

These are published fields, not an underwriting model. Credit, income, property, location and transaction details can still change eligibility or pricing.

Published pricing

Mortgage products from Desjardins

Lender profile reviewed September 1, 2026

Variable

5 Year Closed Reduced Variable Special

Published rate

4.10% 5-year closed reduced variable special

Term / position: 5 years · First mortgage
Checked: October 19, 2026

Variable

5 Year Closed Reduced Variable

Published rate

4.45% 5-year closed reduced variable

Term / position: 5 years · First mortgage
Checked: October 19, 2026

Fixed

4 Year Closed Fixed Special

Published rate

4.59% 4-year closed fixed special

Term / position: 4 years · First mortgage
Checked: October 19, 2026

Fixed

5 Year Closed Fixed Special

Published rate

4.69% 5-year closed fixed special

Term / position: 5 years · First mortgage
Checked: October 19, 2026

Variable

5 Year Closed Protected Variable

Published rate

4.70% current · 7.54% maximum protected rate

Term / position: 5 years · First mortgage
Checked: October 19, 2026

Fixed

1 Year Closed Fixed

Published rate

5.49% 1-year closed fixed

Term / position: 1 year · First mortgage
Checked: October 19, 2026

Fixed

2 Year Closed Fixed

Published rate

5.59% 2-year closed fixed

Term / position: 2 years · First mortgage
Checked: October 19, 2026

Variable

1 Year Open Regular Variable

Published rate

5.70% 1-year open regular variable

Term / position: 1 year · First mortgage
Checked: October 19, 2026

Variable

2 Year Open Regular Variable

Published rate

5.70% 2-year open regular variable

Term / position: 2 years · First mortgage
Checked: October 19, 2026

Fixed

3 Year Closed Fixed

Published rate

6.04% 3-year closed fixed

Term / position: 3 years · First mortgage
Checked: October 19, 2026

Fixed

4 Year Closed Fixed

Published rate

6.09% 4-year closed fixed

Term / position: 4 years · First mortgage
Checked: October 19, 2026

Fixed

5 Year Closed Fixed

Published rate

6.14% 5-year closed fixed

Term / position: 5 years · First mortgage
Checked: October 19, 2026

Fixed

6 Year Closed Fixed

Published rate

6.29% 6-year closed fixed

Term / position: 6 years · First mortgage
Checked: October 19, 2026

Fixed

7 Year Closed Fixed

Published rate

6.39% 7-year closed fixed

Term / position: 7 years · First mortgage
Checked: October 19, 2026

Fixed

10 Year Closed Fixed

Published rate

6.89% 10-year closed fixed

Term / position: 10 years · First mortgage
Checked: October 19, 2026

Fixed

6 Month Closed Fixed

Published rate

7.99% 6-month closed fixed

Term / position: 6 months · First mortgage
Checked: October 19, 2026

Fixed

1 Year Open Fixed

Published rate

9.50% 1-year open fixed

Term / position: 1 year · First mortgage
Checked: October 19, 2026

Fixed

6 Month Open Fixed

Published rate

9.75% 6-month open fixed

Term / position: 6 months · First mortgage
Checked: October 19, 2026

Record history

Each line is a check at which the figure recorded here changed: the lender moved its rate, or an earlier record was corrected. History starts with the first full source check on September 29, 2026.

September 29, 20263 Year Closed Fixed5.99% 3-year closed fixed changed to 6.04% 3-year closed fixed
September 29, 20264 Year Closed Fixed6.04% 4-year closed fixed changed to 6.09% 4-year closed fixed
September 29, 20264 Year Closed Fixed Special4.39% 4-year closed fixed special changed to 4.59% 4-year closed fixed special
September 29, 20265 Year Closed Fixed6.09% 5-year closed fixed changed to 6.14% 5-year closed fixed
September 29, 20265 Year Closed Fixed Special4.49% 5-year closed fixed special changed to 4.69% 5-year closed fixed special

Source and methodology

Official lender-hosted public mortgage pricing page. Product cards group public rows by lender and product name. The smallest displayed rate is a navigation label only; open the product record to match the relevant credit, property, LTV, term and fee row.