Rates - Mortgage loans

Find the mortgage rate that best meets your needs. Use our Mortgage Payment Calculator to see what your payments will be.

Current rates on December 16, 2018

Most popular mortgages

Mortgage Interest rate
5-Year Fixed-Rate Loan 3.99% interest rate
5-Year Protected Variable-rate Loan 3.50% (rate cap of 4.49%)

Closed fixed-rate mortgage loan

Term Interest rate
6 months 4.40%
1 year 3.79%
2 years 3.89%
3 years 4.34%
4 years 4.99%
5 years 5.54%
7 years 5.80%
10 years 6.60%

Open fixed-rate mortgage loan

Term Interest rate
6 months 6.95%
1 year 6.95%

Variable rate mortgage loan

Term Interest rate
Open regular 4.95%
Closed reduced 3.95%
Closed protected 4.20%
"5-in-1" Yearly Rate Resetter (closed) 3.59%

Food for thought

Our tools will help you find the mortgage that's best suited to your needs.

Learn more about our mortgages

Versatile Line of Credit - An equity line of credit

Our Versatile Line of Credit mortgage loan lets you use your home equity as financial leverage to renovate, contribute to your RRSP, save for the unexpected or carry out a project.

Learn more about our equity line of credit

Ready?

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).

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

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.

  1. 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. Protected variable rate ceiling is 5.54%.
  4. This rate is the equivalent of a 0.20% 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.