What is your real estate project?
Whether it is your first home, a renewal, or refinancing, discover our competitive mortgage rates and get a guaranteed pre-approval for 120 days.
First-time homebuyers
Take advantage of our turnkey services and personalized guidance for the purchase of your very first home.
Mortgage refinancing
Use the equity built up in your home to finance projects, renovations, or consolidate debt.
Mortgage renewal
Review your renewal options, negotiate a better rate, and pay off your mortgage faster.
Special offers on our mortgage rates
Current rates updated as of 08-03-2026
5-year variable rate
4,10 %
Prime rate - 0.35%
4,14 % TAC² · Flexibility and guaranteed prime rate
3-year fixed rate
4,69 %
Short-term stability
4,74 % TAEG² · Predictable fixed payments
4-year fixed rate
4,79 %
Ideal balance
4,83 % TAEG² · Balanced budget security
5-year fixed rate
4,84 %
5-year peace of mind
4,88 % TAEG² · Protection against rate increases
Combine mortgage, investments, and insurance
Combine your mortgage with new investments and mortgage insurance to earn additional cash back of up to $1,500.*
Where are you in your homeownership journey?
Whatever your situation, we have the mortgage solution tailored to your needs.
Buy my first home
Dedicated advice, HBP (RRSP) and FHSA programs for your first purchase.
Buy my next home
Mortgage portability and seamless transition to move properties.
Investment property
Specialized financing for rental property investors and multi-family units.
Renew my mortgage
Compare our renewal offers and optimize your rate with no fees.
Transfer my mortgage
Get your transfer fees reimbursed and benefit from attractive rates.
Refinance my mortgage
Unlock cash equity from your home's value.
Renovate my home
Finance home expansion or modernization projects.
Secondary residence
Fulfill your dream of a cottage or vacation home.
Obtenez votre préapprobation hypothécaire en ligne
Get a competitive rate in minutes, with no obligation and no impact on your credit score.
Guarantees your borrowing capacity and sets your exact search budget.
No obligation to take out a loan in the end.
Protects you against interest rate hikes for 120 days.
Shows sellers and real estate agents the seriousness of your approach.
Lock in your interest rate
Rates fluctuating? With our pre-approval, if rates rise, you keep your locked rate. If they fall, you get the lower rate!
Mortgage payment calculator
Quickly estimate your monthly or bi-weekly payment amounts.
Loan parameters
Payment estimation
Why choose our bank for your mortgage?
Fee reimbursement
By transferring your mortgage to us, you could receive cash back covering your appraisal and notary/legal fees.
100% personalized service
Our mortgage specialists support you at every stage, in-branch, by phone at , or via video conference.
Accelerated & flexible payments
Pay off your mortgage faster and save thousands of dollars in interest with accelerated payments and early prepayment options.
Save for your down payment with FHSA and HBP
Combine the First Home Savings Account (FHSA) and Home Buyers' Plan (HBP) to maximize your tax savings.
FHSA / CELIAPP
Contribute up to $8,000 / yr (max $40,000) tax-deductible, and withdraw 100% tax-free for your first home.
RAP / PAM (REER)
Withdraw up to $60,000 from your RRSP tax-free for your down payment, with 15 years to repay your RRSP.
Ready to buy your first home?
Open your FHSA online or speak with our advisors to build your personalized down payment plan.
Discover savings accountsAll your mortgage needs under one roof
Mortgage refinancing
Profitez de la valeur nette accumulée de votre maison pour financer d'autres projets personnels ou professionnels.
Learn moreMortgage transfer
Transfer your loan to us upon maturity and take advantage of our prime rates and fee reimbursement.
Learn moreHome Equity Line of Credit (HELOC)
Access a revolving line of credit backed by your property equity at highly competitive rates.
Learn moreSelf-employed mortgage
Flexible financing and qualification solutions tailored for entrepreneurs and self-employed workers.
Learn moreMortgage loan insurance
Protect yourself and your loved ones from loan repayments in the event of death, disability, or critical illness.
Learn moreHome Buyers' Program (HBP)
Optimize your personal down payment using the combined power of registered plans.
Learn moreFind a mortgage expert
Our team of experts is at your service to advise and guide you at every stage of your real estate project.