Desjardins
Is Part of RateShop Mortgage's Trusted Canadian Lender Network
Discover the best mortgage rates and lowest mortgage rates in Canada at RateShop. Compare Canada mortgage lending rates from top lenders to secure your ideal home loan deal today.
Desjardins: Trusted Partners for Canadian Mortgage Solutions
Desjardins: Trusted Partners for Canadian Mortgage Solutions
Overview of Desjardins as a Trusted Lender
Desjardins is one of Canada’s largest and most trusted financial cooperatives, offering a wide range of mortgage products to help Canadians achieve their homeownership goals. As part of RateShop Mortgage's Trusted Canadian Lender Network, Desjardins provides access to some of the best mortgage rates in Canada, making it a top choice for homebuyers. Whether you're looking for Canada mortgage lending rates or specialized mortgage solutions, Desjardins combines reliability, flexibility, and customer-focused service to meet your needs. With a strong reputation for transparency and support, Desjardins is a leader in mortgage rates and Canada home financing.
Desjardins Mortgage Products and Options
Desjardins offers a variety of mortgage products tailored to suit different financial goals. From fixed-rate mortgages to variable-rate mortgages, Desjardins ensures flexibility and affordability. First-time homebuyers can benefit from specialized programs, while those looking to refinance the mortgage or access a home owner line of credit will find tailored solutions. Desjardins also provides brokered mortgage loans through its partnership with RateShop Mortgage, ensuring customers get access to the best mortgage rates in Canada. Whether you need a home loan rates Canada or a home equity line of credit, Desjardins has you covered.
Residential Mortgages:
Fixed-Rate Mortgages: Lock in rates for predictable monthly payments.
Variable-Rate Mortgages: Take advantage of market fluctuations for potentially lower interest rates.
High-Ratio Mortgages: For buyers with down payments under 20%, insured through CMHC or similar providers.
First-Time Buyer Incentives: Special programs for new homeowners, including lower rates and cash-back offers.
Desjardins Versatile Line of Credit: Combines a traditional mortgage with a line of credit for greater flexibility.
Commercial Mortgages:
Desjardins supports businesses and investors with:
Income Property Financing: For multi-unit residential properties.
Commercial Real Estate Loans: For office, retail, and industrial properties.
Construction Loans: Financing for new builds or property renovations.
Specialty Programs:
Eco-Friendly Mortgages: Incentives for energy-efficient homes or upgrades.
Self-Employed Mortgages: Designed for business owners with flexible income verification options.
Bridge Loans: Temporary financing solutions for buyers transitioning between properties.
Competitive Mortgage Rates and Offers
Desjardins is known for offering some of the best mortgage deals in Canada, including low mortgage rates in Ontario and best mortgage rates Ontario Canada. With options like best Canadian 5-year mortgage rates and best mortgage rates Canada 5-year fixed, Desjardins ensures affordability for long-term home financing. Their posted rate Canada is highly competitive, and customers can often access special promotions or discounts. Whether you're looking for the lowest mortgage rates Ontario Canada or cheap mortgage rates Ontario, Desjardins stands out as a top lender.
Desjardins Mortgage Pre-Approval Process
Getting preapproved for a mortgage with Desjardins is a straightforward process that helps you understand your budget and strengthens your position as a buyer. The mortgage loan pre-approval process involves submitting financial documents, such as proof of income and credit history, to determine your eligibility. Desjardins’ pre-approved mortgage lenders team ensures a seamless experience, whether you're a first-time buyer or looking to refinance a mortgage loan. With pre-approval for home loan services, you can shop for your dream home with confidence.
Customer Experience and Support
Desjardins is committed to providing exceptional customer service, whether you're visiting a branch, using their mobile app, or working with a mortgage broker in Toronto. Their online tools, such as the home mortgage rate calculator, help customers estimate payments and affordability. Desjardins’ mortgage agents and mortgage brokers Toronto Ontario are available to guide you through every step, from pre-approval mortgage to closing. With a focus on transparency and support, Desjardins ensures a stress-free mortgage experience.
We'll find great rates like this one from one or our several lending partners across Canada.
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5 Year - Fixed Term from
3.94%
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Everyone's rate is unique.What's yours?
It is our job to get your lowest possible rate. Your rate qualification depends on certain factors, such as credit score and home equity as per regulations.
*Advertised rates may not be offered by this lender. Mortgage lender offers are aggregated by RateShop & its Brokerage Network subject to change without notice. Speak with our mortgage broker about APR and qualification requirements.
Desjardins’ mortgage criteria are designed to accommodate various borrower types:
First-Time Home Buyers: Minimum 5% down payment for insured mortgages; a credit score of 620+ is typically required.
Salaried Employees: Steady employment history with debt service ratios (GDS ≤ 39%, TDS ≤ 44%).
Self-Employed Borrowers: Alternative income documentation such as NOAs or bank statements.
Contract Employees: Proof of consistent income for at least two years.
Stated Income Borrowers: Requires a higher down payment (usually 20%) and a solid credit profile.
Desjardins evaluates applications based on:
Debt Ratios: GDS ≤ 39% and TDS ≤ 44%.
Credit History: A credit score of 620 or higher for most products, though exceptions may apply.
Income Verification: Salaried, self-employed, or alternative methods are accepted.
Down Payment: Minimum 5% for insured mortgages; 20% for conventional loans.
Property Appraisal: Ensures property value aligns with the mortgage amount.
Desjardins Mortgage Calculators and Tools
Desjardins offers a suite of online tools to help customers make informed decisions. Their home mortgage rate calculator allows you to estimate monthly payments based on mortgage rates Ontario or mortgage rates Quebec Canada. Additionally, their affordability calculator helps you determine how much you can borrow, while their refinancing mortgage loans tool provides insights into potential savings. These resources, combined with expert advice from mortgage agents in Toronto, make Desjardins a top choice for home financing.
To streamline the application process, gather the following:
Valid government-issued photo ID.
Proof of income (e.g., pay stubs, NOAs, or bank statements).
Credit history and report.
Proof of down payment funds.
Property details, including a purchase agreement.
Why Choose Desjardins Through RateShop Mortgage
Partnering with RateShop Mortgage gives you access to Desjardins’ best mortgage rates and expert guidance. RateShop Mortgage’s network of mortgage brokers and mortgage brokerage Toronto professionals ensures you get personalized solutions tailored to your needs. Whether you're looking for the best 5-year fixed rate mortgages or need help with refinancing a house loan, RateShop Mortgage simplifies the process. By choosing Desjardins through RateShop, you benefit from competitive lowest mortgage loan rates and a seamless application process.
Consult a RateShop Broker: Get expert guidance on Desjardins’ mortgage products.
Provide Financial Details: Submit income,
credit, and asset documentation.
Receive Pre-Approval: Desjardins assesses your profile and issues a pre-approval valid for 90–120 days.
Begin Property Search: Use your pre-approved amount to explore homes within your budget.
Desjardins Mortgage Reviews and Testimonials
Customers consistently praise Desjardins for its competitive mortgage rates best rates and exceptional service. Many highlight the ease of working with mortgage brokers in Toronto Ontario and the lender’s transparent pre-approval for mortgage loan process. Testimonials often mention the benefits of Desjardins’ home equity line of credit rates and their support during refinancing a mortgage. With high ratings for customer satisfaction, Desjardins is a trusted choice for best mortgage lenders rates in Canada.
Compare Online Rates: Check live Desjardins mortgage rates on RateShop Mortgages’ platform.
Broker Negotiation: RateShop brokers can secure competitive rates tailored to your needs.
Promotional Offers: Look for exclusive rate discounts or cash-back programs.
Desjardins allows borrowers to pay down their mortgage faster with flexible pre-payment options:
Annual Lump-Sum Payments: Pay up to 15% of the original loan amount without penalties.
Increase Monthly Payments: Boost your regular payment amount by up to 15%.
Double-Up Payments: Make additional payments to reduce your principal faster.
By partnering with RateShop Mortgages, Desjardins provides:
Access to Competitive Rates: Secure some of the best mortgage rates in Canada.
Tailored Solutions: Customized options for diverse borrower needs.
Expert Guidance: RateShop brokers simplify the mortgage process, ensuring you get the right product.
Contact RateShop Mortgages today to discover how Desjardins can help you achieve your real estate dreams!
FAQs About RateShop and Desjardins
What mortgage products does Desjardins offer?
Desjardins offers fixed-rate mortgages, variable-rate mortgages, and refinancing options, catering to first-time homebuyers, investors, and homeowners. They also provide specialized products like cash-back mortgages and home equity lines of credit (HELOCs).
Are Desjardins mortgage rates competitive?
Yes, Desjardins offers competitive mortgage rates, including some of the best 5-year fixed and variable-rate options in Canada. Their rates are tailored to suit various financial needs and goals.
How does Desjardins mortgage pre-approval process work?
Desjardins pre-approval process evaluates your income, credit score, and financial history to determine your borrowing capacity. This helps you understand your budget and strengthens your position when making an offer on a home.
What refinancing options does Desjardins provide?
Desjardins offers refinancing options to help homeowners lower their interest rates, access home equity, consolidate debt, or fund major expenses like home renovations. Their process is straightforward and customer-friendly.
Why choose Desjardins through RateShop Mortgage?
RateShop Mortgage connects you with Desjardins competitive rates, expert advice, and a streamlined application process. This partnership ensures you find the best mortgage deals in Canada with ease and confidence.
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Contact Information
6 Indell Lane, Brampton ON L6T 3Y3, Canada
Local: 416-827-2626
Toll: 800-725-9946
RateShop Inc. is a Mortgage Brokerage offering lowest mortgage rates to Canadians. We are provincially licensed in the following provinces: Mortgage Brokerage Ontario FSRA #12733, British Columbia BCFSA #MB600776, Alberta RECA #00523056P, Saskatchewan FCAA #00511126, PEI #160622, New Brunswick FCNB #88426, Newfoundland/Labrador. Our Quebec Mortgage Transactions are serviced by Orbis Mortgage Group AMF# 181136.
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