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Buying or building property

Do you want to take out a mortgage loan to buy or build your home or another property? We’ll work with you to find the right financing solution.

First-time buyers

If you’re a first-time homebuyer, you’ll pay zero interest for the first six months of your mortgage loan.

Discover BCV Start Immo (in French only)

Mortgage loan simulator

Use our mortgage calculator

to find out how much you can borrow and what your monthly payments might be.

Get started

The right mortgage for you

Fixed-rate loan

Fixed interest rate throughout the loan term
Loan term of 2 to 10 years with the option of combining different maturities
Possibility of locking in the interest rate for your loan up to 18 months ahead of time

LEARN ABOUT OUR FIXED-RATE TERM LOAN

Short-term loan

Fixed interest rate throughout the loan term
Loan term of 3 or 6 months with the option of combining different maturities
Possibility of switching to a fixed-rate loan for a longer term on each maturity date

LEARN MORE ABOUT OUR SHORT-TERM LOAN

SARON loan

Variable interest rate based on SARON (published daily)
Loan term of 2 to 5 years
Can be converted to a fixed-rate loan every three months, for a term equivalent to the remaining term of the SARON agreement

LEARN MORE ABOUT OUR SARON LOAN

Finance your building project

Our mortgage loans: simple, safe and practical

Building Plus loan

Our Building Plus is the ideal fixed-rate loan for financing the construction of your home or other property - and you don’t have to start paying it back until construction is complete.

Building loan

This variable-rate loan is granted as an advance to a building account that you can draw down to pay architects and general contractors as the work progresses.

Submit invoices and request advances online

With our digital payment management system, you can use BCV-net or BCV Mobile to submit construction invoices and advance payment requests in just five easy steps.

Why it’s great:

Secure, 100% digital process
No paper, no postage
Short processing times
Easy payment tracking

Five easy steps:

DON’T MISS THIS!

Take advantage of our Green Bonus offer

If you buy or build an energy-efficient property* or carry out energy-saving renovations, we’ll waive your interest payments for the first 12 months.

Learn more about the Green Bonus (in French only)

* The property in question must have an eco-rating of A on at least one of the three CECB® certificate criteria or.have Minergie-A or Minergie-P certification.

Need advice?

Find a branch near me

and enjoy personalized service!

Meet with a BCV advisor

By videoconference or in a branch

Other legal information

Please read our website and email Terms and Conditions before using our website or contacting us by email.