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Hybrid mortgages

Build the solution that suits you and make the most of an attractive average interest rate

  • Repay your mortgage your own way.
  • Get the benefits of both fixed and variable rates.
  • Take into account the distinctive financial flexibility of your co-borrower.

Why a hybrid mortgage?

  • Save on interest charges with an attractive average interest rate.
  • Pay off your mortgage faster.
  • Mitigate the effects of possible rate fluctuations.
  • Diversify the terms, amortization or payment frequency of your loans.
  • Spread out your payments so they are not all due at the same time.

What is the interest rate on a hybrid mortgage?

We determine a weighted average rate for the entire mortgage amount based on the interest rate (fixed, variable or reset yearly) of each portion of your mortgage.

The average rate may sometimes fluctuate, depending on the types of mortgages and their terms.

Get your customized mortgage

  • Customize your mortgage according to your borrowing profile.
  • Meet with an advisor at your caisse. They will help you make the right choices based on your borrowing profile.
Contact an advisor

Contact an advisor

Documents you need for your meeting

Call us

Montreal area:

Elsewhere in Canada and the U.S.:

Through a mortgage representative

Ready to buy? An advisor can come meet with you any day of the week.

Find a mortgage representative