Mortgage Products

Buying your new home involves a ton of important decisions, and your mortgage is one of them. Choose the one that’s right for you.

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Flexible, open, closed – choose what suits you

Straight Rate

Best feature: Lowest rate possible
Payment features:
1 extra payment allowed per year
Renewal terms:
1 to 5 years
Rate guarantee:
130 days

Interest rates can go up and down all they want – your mortgage payments and interest rate hold steady throughout your term. There’s more commitment, but the reward is a lower rate.

Variable Rate

Best feature: Low variable rate that follows prime
Pay features:
 1 extra payment allowed per year, can increase payment amounts
Renewal term:
 3 years
Rate Guarantee: 130 days

Don’t want to lock in a rate? No problem! The rate you pay on your Variable Rate mortgage follows the prime lending rate. Your rate goes up if the prime rate increases, and if the prime rate goes down, the interest you pay will also go down.


Best feature: Ultimate flexibility
Pay features:
Extra prepayment privileges*
Renewal terms:
6 months to 7 years
Rate Guarantee: 130 days

It’s all about flexibility! Pay your principal down quickly by making as many extra payments as you want with no penalty – some conditions may apply. If money’s tight one month, you also have the option to skip a payment.
*Conditions apply.

Home Equity Options


Best feature: Borrow with your home's equity
Pay features:
Extra prepayment privileges*
Property: Includes vacation homes and bare land
Renewal terms:
6 months to 7 years

A cabin by the lake or a trip through Europe, with AffinityEQ your mortgage can help make your dreams come true. Borrow up to 80% of your home’s appraised value at a mortgage-level interest rate. You can bundle a bunch of loans, lines of credit and other lending products under the umbrella of one mortgage.
*Conditions apply.

Home Equity Line of Credit (HELOC)

Best feature: Revolving, low-cost borrowing
Pay features:
Prepay without penalty
Property: Includes vacation homes

Do you like flexibility when it comes to your money? Who doesn’t? The Home Equity Line of Credit allows you to pay down your loan right from your chequing account. Even better? You also have the option to repay your loan and re-advance without re-applying for this Line of Credit.

Check out our rates and use the Mortgage Calculator to learn what works best for you!
Mortgage Calculator

If you have questions about our mortgage products or if you’d like to get together with one of our experts to get the ball rolling, book an appointment or call our Contact Centre at 1.866.863.6237. You can also contact a Mobile Mortgage Specialist for an advisor to come to you.