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Rates - Mortgage loans

Current promotions

Mortgage loans Promotions for new mortgages12
5-Year Fixed-Rate Loan 3.74% interest rate
5-Year Protected Variable-rate Loan 2.85% (rate cap at 4.19%)

Official rates in effect on June 23, 2018

Residential mortgage loan (6 months to 10 years) - Closed fixed rate 2 RSS news feeds
Term Interest rate
6 months 4.40%
1 year 3.49%
2 years 3.74%
3 years 4.30%
4 years 4.94%
5 years 5.49%
7 years 5.80%
10 years 6.60%
Residential mortgage loan - Open fixed rate 2 RSS news feeds
Term Interest rate
6 months 6.95%
1 year 6.95%
Residential mortgage loan - Variable rate 2 RSS news feeds
Open regular variable rate Closed reduced variable rate Closed protected variable rate3 "5-in-1" Yearly Rate Resetter (closed)3
4.45% 3.45% 3.70% 3.29%
Mortgage-secured line of credit
Type Interest rate
Versatile Line of Credit ($25,000 or more) For the current rates, contact an advisor at a caisse.

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:
514-285-9938

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

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

Last update: June 15, 2018

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.

For additional information, please contact an advisor at a caisse.

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.

4. Protected variable rate ceiling is 5.49%.

5. This rate is the equivalent of a 0.2% 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.

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