FAQ – Loans – Hybrid mortgages

If you're planning to make a real estate purchase soon, check out all the options available to you: fixed and variable rates, open and closed fixed rates, etc. Make an appointment with a caisse advisor or contact AccèsD Services to get the loan that best suits your needs.

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This diversification is established based on your borrowing profile. For each profile, there is a corresponding customized mortgage combination that can be accepted as is or modified to suit your needs.

Start by finding out what your borrowing profile looks like. Our "Find out what type of mortgage is right for you" tool can help you do that. Then, meet with a Desjardins advisor at a caisse. Your advisor will help you choose the right solutions based on your borrowing profile.

Your borrowing profile is determined based on some simple questions concerning:

  • your current and future financial capacity
  • your desire to pay down your mortgage faster
  • your tolerance to fluctuating interest rates

Discover what your borrowing profile and mortgage combination look like. Our "Find out what type of mortgage is right for you" tool can help you do that. Then, meet with a Desjardins advisor at a caisse. Your advisor will help you choose the right solutions based on your borrowing profile.

Each of the parts of your hybrid mortgage has its own interest rate, whether it's fixed or variable. For your entire mortgage, the rate is an average, calculated as a weighted average of the interest rates from each of the loan parts.

The average rate may fluctuate over time, depending on the types of mortgages and their duration.

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