Borrow
A mortgage that fits your life, not the other way around
Whether you’re buying your first place, renewing, or refinancing, we’ll help you choose a mortgage you feel good about.
Rates
Today’s mortgage rates
Your rate depends on your profile and the product you choose.
Mortgage rates
| Product | Term | Rate |
|---|---|---|
| Fixed closed | 1 year | 5.19% |
| Fixed closedMost popular | 3 year | 4.64% |
| Fixed closed | 5 year | 4.49% |
| Variable closed | 5 year | 5.05% |
| Open | 1 year | 6.75% |
Options
Find the right structure
Fixed rate
Lock your rate and payment for the whole term — total predictability.
Variable rate
A rate that moves with the market, often starting lower.
Open mortgage
Maximum flexibility to pay down or pay off without penalty.
How it works
Three steps to your keys
- 1
Get pre-approved
Know your budget with a quick pre-approval before you shop.
- 2
Choose your mortgage
An advisor helps you weigh fixed vs variable, term and payment.
- 3
Close with confidence
We coordinate the details so moving day is the fun part.
Mortgage questions, answered
In Canada, the minimum is typically 5% on the first portion of the purchase price. An advisor can walk you through what applies to your situation.