La Financière agricole du Québec

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Guaranteed Loan

Interest Rate Reduction

Rate reduction based on loan term
Loan term (months)122436486084
Interest rate reduction (%)0.300.350.400.450.500.60

History of interest rate reductions

Updated on December 2, 2022

Banque Canadienne Impériale de Commerce
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.49000 3.38560 3.1044 Yes 2022-12-01 2022-12-31
6.49000 3.56278 2.9272 Yes 2022-11-01 2022-11-30
6.49000 3.26891 3.2210 Yes 2022-10-01 2022-10-31
6.49000 2.93971 3.5502 Yes 2022-09-01 2022-09-30
6.49000 2.97587 3.5141 Yes 2022-08-01 2022-08-31
6.22000 3.21861 3.0013 Yes 2022-07-01 2022-07-31
5.66741 2.74624 2.9211 Yes 2022-06-01 2022-06-30
4.96333 2.61041 2.3529 Yes 2022-05-01 2022-05-31
4.79000 1.97277 2.8172 Yes 2022-04-01 2022-04-30
4.79000 1.72165 3.0683 Yes 2022-03-01 2022-03-31
4.79000 1.54647 3.2435 Yes 2022-02-01 2022-02-28
4.79000 1.28690 3.5031 Yes 2022-01-01 2022-01-31
Banque de Montréal
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.49000 3.38560 3.1044 Yes 2022-12-01 2022-12-31
6.35451 3.56278 2.7917 Yes 2022-11-01 2022-11-30
6.14000 3.26891 2.8710 Yes 2022-10-01 2022-10-31
6.14000 2.93971 3.2002 Yes 2022-09-01 2022-09-30
6.07225 2.97587 3.0963 Yes 2022-08-01 2022-08-31
5.75166 3.21861 2.5330 Yes 2022-07-01 2022-07-31
5.14483 2.74624 2.3985 Yes 2022-06-01 2022-06-30
4.83000 2.61041 2.2195 Yes 2022-05-01 2022-05-31
4.79000 1.97277 2.8172 Yes 2022-04-01 2022-04-30
4.79000 1.72165 3.0683 Yes 2022-03-01 2022-03-31
4.79000 1.54647 3.2435 Yes 2022-02-01 2022-02-28
4.79000 1.28690 3.5031 Yes 2022-01-01 2022-01-31
Banque Laurentienne
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.49000 3.38560 3.1044 Yes 2022-12-01 2022-12-31
6.19645 3.56278 2.6336 Yes 2022-11-01 2022-11-30
6.14000 3.26891 2.8710 Yes 2022-10-01 2022-10-31
5.73193 2.93971 2.7922 Yes 2022-09-01 2022-09-30
5.59000 2.97587 2.6141 Yes 2022-08-01 2022-08-31
5.49666 3.21861 2.2780 Yes 2022-07-01 2022-07-31
5.35129 2.74624 2.6050 Yes 2022-06-01 2022-06-30
4.99000 2.61041 2.3795 Yes 2022-05-01 2022-05-31
4.78032 1.97277 2.8075 Yes 2022-04-01 2022-04-30
4.74000 1.72165 3.0183 Yes 2022-03-01 2022-03-31
4.74000 1.54647 3.1935 Yes 2022-02-01 2022-02-28
4.74000 1.28690 3.4531 Yes 2022-01-01 2022-01-31
Banque Nationale du Canada
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.49000 3.38560 3.1044 Yes 2022-12-01 2022-12-31
6.29806 3.56278 2.7352 Yes 2022-11-01 2022-11-30
6.14000 3.26891 2.8710 Yes 2022-10-01 2022-10-31
6.14000 2.93971 3.2002 Yes 2022-09-01 2022-09-30
6.05935 2.97587 3.0834 Yes 2022-08-01 2022-08-31
5.64500 3.21861 2.4263 Yes 2022-07-01 2022-07-31
5.06741 2.74624 2.3211 Yes 2022-06-01 2022-06-30
4.97500 2.61041 2.3645 Yes 2022-05-01 2022-05-31
4.88032 1.97277 2.9075 Yes 2022-04-01 2022-04-30
4.79000 1.72165 3.0683 Yes 2022-03-01 2022-03-31
4.79000 1.54647 3.2435 Yes 2022-02-01 2022-02-28
4.79000 1.28690 3.5031 Yes 2022-01-01 2022-01-31
Banque Royale du Canada
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.24333 3.38560 2.8577 Yes 2022-12-01 2022-12-31
6.16096 3.56278 2.5981 Yes 2022-11-01 2022-11-30
6.14000 3.26891 2.8710 Yes 2022-10-01 2022-10-31
6.14000 2.93971 3.2002 Yes 2022-09-01 2022-09-30
5.89483 2.97587 2.9189 Yes 2022-08-01 2022-08-31
5.34333 3.21861 2.1247 Yes 2022-07-01 2022-07-31
4.86419 2.74624 2.1179 Yes 2022-06-01 2022-06-30
4.79000 2.61041 2.1795 Yes 2022-05-01 2022-05-31
4.79000 1.97277 2.8172 Yes 2022-04-01 2022-04-30
4.79000 1.72165 3.0683 Yes 2022-03-01 2022-03-31
4.79000 1.54647 3.2435 Yes 2022-02-01 2022-02-28
4.79000 1.28690 3.5031 Yes 2022-01-01 2022-01-31
Banque Scotia
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.14000 3.38560 2.7544 Yes 2022-12-01 2022-12-31
6.14000 3.56278 2.5772 Yes 2022-11-01 2022-11-30
6.01000 3.26891 2.7410 Yes 2022-10-01 2022-10-31
5.99000 2.93971 3.0502 Yes 2022-09-01 2022-09-30
5.90774 2.97587 2.9318 Yes 2022-08-01 2022-08-31
5.63000 3.21861 2.4113 Yes 2022-07-01 2022-07-31
5.01580 2.74624 2.2695 Yes 2022-06-01 2022-06-30
4.99000 2.61041 2.3795 Yes 2022-05-01 2022-05-31
4.90612 1.97277 2.9333 Yes 2022-04-01 2022-04-30
4.79000 1.72165 3.0683 Yes 2022-03-01 2022-03-31
4.79000 1.54647 3.2435 Yes 2022-02-01 2022-02-28
4.79000 1.28690 3.5031 Yes 2022-01-01 2022-01-31
Banque Toronto-Dominion
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.34000 3.38560 2.9544 Yes 2022-12-01 2022-12-31
6.26258 3.56278 2.6998 Yes 2022-11-01 2022-11-30
6.14000 3.26891 2.8710 Yes 2022-10-01 2022-10-31
6.14000 2.93971 3.2002 Yes 2022-09-01 2022-09-30
6.07225 2.97587 3.0963 Yes 2022-08-01 2022-08-31
5.77333 3.21861 2.5547 Yes 2022-07-01 2022-07-31
5.10612 2.74624 2.3598 Yes 2022-06-01 2022-06-30
4.59000 2.61041 1.9795 Yes 2022-05-01 2022-05-31
4.59000 1.97277 2.6172 Yes 2022-04-01 2022-04-30
4.59000 1.72165 2.8683 Yes 2022-03-01 2022-03-31
4.59000 1.54647 3.0435 Yes 2022-02-01 2022-02-28
4.59000 1.28690 3.3031 Yes 2022-01-01 2022-01-31
Fédération des caisses Desjardins du Québec
Average 5-year mortgage rate1 Average 5-year savings bond rate1 Difference Reduction in applicable rate2 Start of application period End of application period
6.40500 3.38560 3.0194 Yes 2022-12-01 2022-12-31
6.21096 3.56278 2.6481 Yes 2022-11-01 2022-11-30
6.14000 3.26891 2.8710 Yes 2022-10-01 2022-10-31
6.14000 2.93971 3.2002 Yes 2022-09-01 2022-09-30
6.07225 2.97587 3.0963 Yes 2022-08-01 2022-08-31
5.51666 3.21861 2.2980 Yes 2022-07-01 2022-07-31
5.07387 2.74624 2.3276 Yes 2022-06-01 2022-06-30
4.99000 2.61041 2.3795 Yes 2022-05-01 2022-05-31
4.83516 1.97277 2.8623 Yes 2022-04-01 2022-04-30
4.78642 1.72165 3.0647 Yes 2022-03-01 2022-03-31
4.74000 1.54647 3.1935 Yes 2022-02-01 2022-02-28
4.74000 1.28690 3.4531 Yes 2022-01-01 2022-01-31

Notes:

1 For the month preceding the start of the application period.

2 The mortgage interest rate reduction applies if, during the 3 months preceding the month when the rates are set, the monthly difference between the average residential mortgage interest rate for a 5-year term and the average 5-year rate of return on Canadian savings bonds is greater than or equal to 1.75%.

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