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Hybrid mortgages

Build the solution that suits you

Customize your mortgage’s repayment terms by dividing the amount in 2 or several loan tranches.

Why a hybrid mortgage?

To customize your loan to fit your needs.

  • Share the repayment with your co-borrower.
  • Get the benefits of both fixed and variable rates.
  • Reduce or benefit from the effects of the market’s possible rate fluctuations.
  • Take into account your co-borrower’s financial flexibility.
  • Diversify your loan’s conditions: terms, amortization, payment frequency, etc.
  • Spread out your payments so they are not all due at the same time.

What is the interest rate on a hybrid mortgage?

Each tranche of your mortgage has its own rate, term and payment frequency—all based on your preferences and needs.

Example of a $200,000 mortgage

Type of loan Non-hybrid loan
Fixed rate, 5 years
Hybrid loan
Variable rate, 5 years
Hybrid loan
Fixed rate, 3 years
Rate 3.69% 2.80% 3.40%
Amount percentage 100% 60% 40%
Loan amount $200,000 $120,000 $80,000

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

Documents you need for your meeting

Call us

Montreal area:
514-285-9938

Elsewhere in Canada and the U.S.:
1-888-243-1479

Through a mortgage representative

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

Find a mortgage representative

  1. Some conditions apply.

Client services

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