Buying a Home
1. Apply
Still shopping for your new home?
Get a mortgage pre-approval. Apply online in minutes to lock in your fixed rate for 120 days. Naturally, if rates go down during this time, you'll get the lower rate. You'll know exactly how much you can afford so you can shop with confidence. Once approved, you'll receive our guarantee in writing. When you've found the home you'd like to purchase, simply call us and we'll update your application with your property details.
Found your new home already?
If you already know which home you'd like to purchase, simply apply online in minutes. Your fixed rate will be guaranteed for 120 days. If rates go down during this time, naturally you'll get the lower rate.
2. Getting it finalized
Once your application is approved, you'll receive a mortgage approval letter outlining the documentation you'll need to finalize your mortgage. Your dedicated Account Representative will work with you to collect the information and answer any of your questions.
3. Making it official
You'll need to meet with your lawyer (notary in Quebec) to sign the final documents. This is typically completed 3 to 5 business days before your closing date.
4. Welcome to your new home!
On your closing date your lawyer/notary will receive the funds for your mortgage, and that's when you can pick up your keys and start enjoying your new home. A welcome letter will be sent to you confirming the details of your mortgage.
Mortgage and other loan rates are annual rates and are subject to change without notice and are current as of today's date.
Current Interest Rates
| 5 Year Variable | |
| 1 Year Fixed | |
| 2 Year Fixed | |
| 3 Year Fixed | |
| 4 Year Fixed | |
| 5 Year Fixed | |
| 7 Year Fixed | |
| 10 Year Fixed | |
| Home Equity Line of Credit |
Annual interest calculated semi-annually not in advance.
Tools & Calculators
