Residential Mortgages
Whether you’re a first-time home buyer or an experienced homeowner, we have the flexible mortgage options and expert support to meet your needs.
Explore your mortgage options
Conventional Mortgage
Get a mortgage that flexes to meet your unique needs.
Our conventional mortgages include competitive rates, straightforward repayment terms and support from a team of specialists dedicated to seeing you achieve your homeownership goals.
Features:-
Borrow up to 80% of the appraised value or purchase price of the home (whichever is less)
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1-5 year term options
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Up to 25-year amortization
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Fixed or variable repayment options
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Competitive interest rates
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Prepayment flexibility
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For new build homes (self-build or RTMs) – optional monthly interest-only payments during construction (up to one year)
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Insurance coverage to protect your investment
CMHC Mortgage
Buy a home with as little as 5% down payment.
Saving a 20% down payment is easier said than done. Thanks to mortgage insurance provided by the Canada Mortgage and Housing Corporation (CMHC), we can help you buy with as little as 5% down.
Features:-
Borrow up to 95% (refinancing up to 80%) of the appraised value or purchase price of the home (whichever is less)
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1-5 year term options
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Up to 25-year amortization
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Fixed or variable repayment options
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Competitive interest rates
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Prepayment flexibility
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Optional insurance coverage to protect your investment
Ready to get set up?
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Support for your first home purchase
Homebuyer’s Plan
The Home Buyer’s Plan lets you withdraw up to $35,000 from your Registered Retirement Savings Plan (RRSP) to supplement the down payment for your first home.
First-Time Home Buyer Incentive
The First-Time Home Buyer Incentive makes buying your first home easier, helping you reduce your monthly mortgage payment without increasing your down payment.
Access the money you need for any goal
Whether you want to buy a car, pay for school or cover unexpected expenses, we have a borrowing option for you.
Find the credit card you need for the life you lead
We offer a range of credit cards to fit your lifestyle, from travel rewards and cash back to US dollar.
Mortgage Calculator
See how much you can afford to borrow for your home and what your payments could look like.