Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
Mortgage loan
The flexibility to build the mortgage that best suits your needs based on your borrower profile and repayment ability. Discover the benefits!
Thinking about buying a home or renewing your mortgage? Have a look at the rates on our mortgage loans.
Current promotions
Mortgage loans |
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"5-in-1" Yearly Rate Resetter Mortgage Loan |
2.893 interest rate |
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63-Month Fixed-Rate Loan |
3.29%* interest rate |
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Hybrid mortgages4 |
3.09% interest rate5 |
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Official rates in effect on May 26, 2013
Term |
Interest rate |
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6 months |
4.40% |
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1 year |
3.09% |
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2 years |
3.14% |
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3 years |
3.55% |
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4 years |
4.54% |
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5 years |
5.14% |
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7 years |
5.95% |
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10 years |
6.75% |
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Term |
Interest rate |
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6 months |
6.50% |
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1 year |
6.30% |
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Open regular variable rate |
Closed reduced variable rate |
Closed protected variable rate6 |
"5-in-1" Yearly Rate Resetter (closed)3 |
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4.00% |
3.20% |
3.60% |
2.89% |
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Type |
Interest rate |
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Versatile Line of Credit ($25,000 or more) |
For the current rates, contact an advisor at
a caisse. |
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Find out more
To find out more about the wide range of mortgage loans, options and programs available, see Mortgages.
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 Online |
Fill out the form
An advisor will contact you to help you choose the mortgage that best suits your needs. |
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 At the caisse
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 Through a mortgage representative
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Make an appointment for a house call. Representatives can meet with you at your convenience, 7 days a week:
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 By phone |
Montreal area: 514-CAISSES (514-224-7737) Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737) |
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Last update: May 8, 2013
Rates are subject to change without prior notice. Rates may vary according to your credit rating, the amount borrowed, guarantees offered and other factor. Certain conditions may apply.
These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.
For additional information, please contact an advisor at a caisse.
* This promotional rate includes the standard 60-month (5-year) rate less a discount.
1. Rates subject to change without notice. Certain conditions apply.
2. In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming that there are no additional charges applicable to the loan. Should there be such charges, the APR might be different
3. This rate is the equivalent of a 0.2% annual rebate on the rate for a 1-year fixed rate mortgage. The rate may change on the anniversary of the mortgage. For new mortgages, a promotional rate may apply the first year.
4. Hybrid mortgages allow you to diversify your mortgage by splitting it into 2 loans with different characteristics (type of interest rate, length of term, etc.). Many combinations are possible, based on your borrower profile. To learn
more, please contact a caisse advisor or a Desjardins mortgage representative.
5. This rate corresponds to the average of the interest rates of the various loans comprising the mortgage.
6. Protected variable rate ceiling is
5.14%.
