Get 1 year of lower payments to help free up needed cash for closing costs and home-related expenses. When the year is up, you can renew into a great, longer-term rate. If you choose NOT to renew, a 1.5% fee will apply. For insured and insurable new purchases and switches, owner occupied property only and for home prices below $1M (unless original mortgage default insurance is still valid).

This great rate is available for High Ratio purchases and Switches only. Offers 20% lump sum payments per year, including the ability to increase your payments by up to 15%! It’s a full-frills mortgage with a rate that can be held for up to 120 days.

This great rate is available for High Ratio purchases and Switches only. Offers 20% lump sum payments per year, including the ability to increase your payments by up to 15%! It’s a full-frills mortgage with a rate that can be held for up to 120 days.

This great rate is available for High Ratio purchases and some Insured transfers only. Offers 20% lump sum payments per year, including the ability to increase your payments by up to 20%! It’s a full-frills mortgage with a rate that can be held for up to 120 days.

Our Rate Relief product is the lowest mortgage rate available in Canada. Get 6 months of lower payments when you need cash for closing costs and moving-related expenses. After 6 months, renew into a great, longer-term rate. If you choose NOT to renew, a 1% admin fee will apply. For new purchases and switches, owner occupied property only, and for home values below $1M (unless original mortgage default insurance is still valid).