Highlights
Highly flexible
Our variable-rate mortgage loan does not have a set term, giving you maximum flexibility. The interest rate tracks variations in the capital markets, meaning it fluctuates as long as you hold this loan. You can switch to another type of mortgage loan at any time.
Minimize risk by combining interest rates
To reduce interest-rate risk, you can divide your mortgage loan into multiple tranches with different interest-rate conditions (fixed-rate, variable-rate, or short term). That can help protect you against higher interest rates when you renew your mortgage.
Mortgage repayment
You can pay down your mortgage either directly or indirectly.
Direct repayment
With the direct repayment option, you make regular mortgage payments to BCV. These payments will be applied to the loan principal and interest, and your overall mortgage debt will decrease over time. However, your tax charge will increase every year since you can deduct only the interest payments.
Indirect repayment
With the indirect repayment option, instead of making mortgage payments directly to BCV, you put the money into a third-pillar retirement account that you pledge to BCV. This option offers some tax advantages: you can deduct the payments made to your retirement account from your taxable income; and you maximize the amount of your tax-deductible mortgage debt.
Fees and conditions
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Conditions |
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