Compare our mortgages

Find the mortgage that’s right for you

Our mortgages:

  • require 80% financing1 (95% if purchasing)
  • are eligible for member dividends when paid out by the caisse

Find out what type of mortgage is right for you

What is your borrowing profile?

Mortgages with fixed rates and payments

For cautious borrowers
Type of mortgage Closed Fixed-Rate Open Fixed-Rate
Interest rate

Stable until the end of the term.
See current rates

Terms
  • 6 months
  • 1 to 5 years
  • 7 years
  • 10 years
  • 6 months
  • 1 year
Rate guaranteed at time of loan2? Yes, for 90 days (in general)
Prepayment possible without penalty?
  • Yes, up to 15% of original loan amount annually
  • Double your mortgage payments without penalty
Yes, at any time, in whole or in part
Distinctive features
  • Interest rate lower than that of an open, fixed-rate mortgage
  • Most popular loan

Useful if:

  • your property is for sale
  • you're expecting a major inflow of funds in the short term to pay off your mortgage

Mortgages with variable rates and fixed payments

For moderate borrowers
Type of mortgage Closed "5-in-1" Yearly Rate Resetter Closed Protected Variable-Rate
Interest rate
  • Revised annually
  • Rebate guaranteed for the entire term

See current rates

  • Fluctuates without exceeding a certain limit

See current rates

Terms 5 years
Rate guaranteed at time of loan2? Yes, for 90 days (in general) No
Prepayment possible without penalty?
  • Yes, up to 15% of original loan amount annually
  • Double your mortgage payments without penalty
  • Yes, up to 15% of original loan amount annually
  • Double your mortgage payments without penalty
Conversion to a fixed rate? Yes No
Distinctive features One of the best fixed rates on the market You benefit from rate decreases, while being protected from major rate increases.

Mortgages with variable rates and payments

For bold borrowers
Type of mortgage Closed Reduced Variable-Rate Open Regular Variable-Rate
Interest rate

Follows the upward and downward fluctuations of the prime rate
See current rates

Terms 5 years
  • 1 year
  • 2 years
Rate guaranteed at time of loan2? No
Prepayment possible without penalty?
  • Yes, up to 15% of original loan amount annually
  • Double your mortgage payments without penalty
Yes, at any time, in whole or in part
Conversion to a fixed rate? Yes, at any time
Distinctive features Interest rates are usually lower than fixed rates. Useful if you plan on moving or selling in the short term

Combined mortgages tailored to your needs

Combine mortgages with different benefits to create a customized, hybrid mortgage that’s perfect for you.

Get preauthorized

What is the preauthorization certificate for?

  • Displays the maximum price of the house you can afford to buy
  • Shows you are a serious buyer and your purchasing capacity
  • Simplifies communication with the seller or real estate broker

3-step preauthorization

  1. Determine your financing needs with one of our advisors.
  2. Get a prompt answer.
  3. Get the loan terms and a preauthorization certificate upon approval.

View a preauthorization certificate sample (PDF, 166 KB) - Cet hyperlien s'ouvrira dans une nouvelle fenêtre..

Make an appointment

Montreal area:
514-745-9499

Elsewhere in Canada and the U.S.:
1-844-626-2476

Contact an advisor

Documents you need for your meeting

Call us

Montreal area:
514-745-9499

Elsewhere in Canada and the U.S.:
1-844-626-2476

Through a mortgage representative

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

Find a mortgage representative

  1. Percentage of the smaller of the amounts of market value or property purchase. This percentage varies for second homes that are not accessible year-round.
  2. Rate in effect on application date or upon signing mortgage with notary (with lawyer in Ontario).