- With a fixed-rate mortgage loan, you can buy real-estate while remaining protected against a rise in interest rates.
- This is ideal for medium- or long-term planning, and you can take advantage of low interest rates over the long term.
You pay zero interest for the first 12 months of your BCV fixed-rate mortgage loan or Building Plus loan (minimum term: five years) to finance an energy-efficient property or green renovations.
Our guide on energy-saving renovations outlines the key steps in the process and points you to the resources you’ll need to successfully carry out your project.
Guide to Energy-Efficient Renovations (in French only, 1.1 MB)
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Credit Fee Schedule (253.3 kB)
Short-term mortgage loan
With a short-term mortgage loan, you will be able to take advantage of the lowest interest rates in the market for the chosen term.
SARON mortgage loan
SARON mortgage loans are a flexible property-financing solution. The interest rate tracks the market, which means you pay lower interest in a downcycle – but you must also be prepared to pay more when rates rise.
Variable-rate mortgage loan
A variable-rate mortgage loan is particularly well-suited if you are planning to sell your property in the near future.
Green Bonus
We will waive the interest payments on your loan for the first 12 months if you use it to buy or build a home that meets certain predefined criteria or to make energy-efficiency improvements.