Mortgage loans

Mortgage loans - La Capitale

Call us to apply for a mortgage loan

1 866 227-2606

8:30 a.m. to 5:00 p.m. weekdays
Email us

Buying a home is the biggest investment you'll ever make, which is why most people need to take out a mortgage loan. La Capitale offers competitive interest rates and products ranging from variable interest rate and fixed-rate loans to mortgage lines of credit.

Our mortgage loans

Fixed-rate mortgage loan

Manage your budget better

With the La Capitale fixed-rate mortgage loan, you have the security of knowing the exact amount your payments will be for the length of your term, which can range from six months to ten years, depending on what you choose. This avoids unpleasant surprises and makes it easier for you to manage your budget.

Benefits

  • Security
  • Stability
  • Open or closed terms
  • Competitive rates
  • Top quality service

Learn more

Adjustable-rate mortgage loan

Maximize your savings

Because buying a property these days doesn't come cheap, you want to save as much as you can on your mortgage. La Capitale offers you an excellent way to achieve this: Adjust your interest rate every 12 months for the next five years.

Benefits

  • Guaranteed initial interest rate
  • Option to repay up to 15% of the principal
  • No service fees
  • Free appraisal
  • Options to transfer

Learn more

Chameleon integrated financing

Unlock your property value to finance other projects

The La Capitale Chameleon integrated financing plan allows you to use the equity in your home to meet all your financing needs with a line of credit. It gives you access to cash for making your dreams come true.

Benefits

  • Time savings
  • Money savings
  • Options
  • Convenience
  • Flexibility

Learn more

See mortgages rates

For our promotional rates, call us at 1 866 227-2606.

Insure your loan

With our credit insurance, you can protect your investment in the event of death, critical illness or disability.

Find out more

5 advantages to take out a mortgage loan with La Capitale

  1. Our wide range of products allows you to select one tailored to your needs.
  2. With the Capitale Plus Option, you can choose to reborrow the principal already repaid or borrow a portion of the appreciation of your property without having to re-visit the notary.
  3. Transfer your balance and loan terms, penalty-free, to finance a new property when you move.
  4. Assign your loan conditions to the buyer when you sell your property.
  5. Benefit from the annual prepayment privilege and pay up to 15% of the original principal before the end of your mortgage term. Doing this can save you thousands of dollars.

Mortgage calculators

Here are a few useful tools that can help you plan the purchase of your next home. Good planning will help you determine what is an affordable price range so that you don't take out a loan you can't pay back.

Mortgage payment calculator

Compare rates and amortization to know the amount of your mortgage payments and your balance.

Calculate

Financial goal calculator

The future is built on hopes and dreams. What are yours? How long will it take to make them a reality?

Calculate


Financial situation calculator

Buying a home is often the biggest investment you will ever make. Before rushing in, assess your financial situation. Doing so will allow you to answer the million dollar question: How much can I afford to borrow?

Calculate

Monthly budget calculator

Determine how much money you have at the end of the month after your living expenses are subtracted from your income. This will let you determine how much of your monthly budget is available for mortgage payments and other related expenses.

Calculate

First-time homebuyers guide

Are you seriously thinking of becoming a homeowner or purchasing a new home, but haven't yet figured out all things you have to do before crossing the threshold? Our guide will help home buyers make a plan that leaves nothing out from identifying needs to moving in.

View the guide

Find out about the Home Buyers' Plan (HBP).

Call us to apply for a mortgage loan

1 866 227-2606

8:30 a.m. to 5:00 p.m. weekdays
Email us

Quarterly Publication - Residential Mortgages (French only) (PDF - 1 page)