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Rates - Mortgage loans

Thinking about buying a home or renewing your mortgage? Have a look at the rates on our mortgage loans.

Current promotions

Mortgage loans Promotions for new mortgages12
"5-in-1" Yearly Rate Resetter Mortgage Loan 2.14% interest rate3
5-Year Fixed-Rate Loan 3.24% interest rate

Official rates in effect on September 23, 2017

Residential mortgage loan (6 months to 10 years) - Closed fixed rate 2 RSS news feeds
Term Interest rate
6 months 4.40%
1 year 3.24%
2 years 3.24%
3 years 3.39%
4 years 3.89%
5 years 4.84%
7 years 5.30%
10 years 6.10%
Residential mortgage loan - Open fixed rate 2 RSS news feeds
Term Interest rate
6 months 6.50%
1 year 6.30%
Residential mortgage loan - Variable rate 2 RSS news feeds
Open regular variable rate Closed reduced variable rate Closed protected variable rate4 "5-in-1" Yearly Rate Resetter (closed)5
4.20% 3.20% 3.45% 3.04%
Line of credit with security of mortgage
Type Interest rate
Versatile Line of Credit ($25,000 or more) For the current rates, contact an advisor at a caisse.

Calculate
How much can I afford to spend on a home? - This link will open in a new window.

Find out more
To find out more about the wide range of mortgage loans, options and programs available, see Mortgages.

Last update: September 13, 2017

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.

3. This rate is the equivalent of a 1.10% 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, this promotional rate applies only the first year.

4. Protected variable rate ceiling is 4,74%.

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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