Our mortgage rates aren’t one-size-fit-all, they’re based on your unique situation. To find out what rate you may qualify for, you’ll need to apply through a mortgage broker. Use our Find a Broker tool to connect with a mortgage broker near you.

Our mortgages are only available through licensed Mortgage Brokers. If you are ready to apply, your broker can connect with one of our Business Development Managers through the “Connect with a BDM” form on our broker page. If you’re looking for a Mortgage Broker, you can use our Find a Broker tool to connect with a Mortgage Broker near you.

A Mortgage Broker is a licensed professional who connects borrowers, like homebuyers, with mortgage lenders. They compare products from different lenders to help borrowers find the mortgage that best fits their needs and financial situation.

B Lenders are financial institutions that help people who might not qualify with traditional banks.

If customers are self-employed, have bruised credit, or earn income in non-traditional ways, a B lender can offer mortgage solutions that fit their unique financial story.

Alternative lenders are a trusted part of Canada’s lending ecosystem — helping thousands of families each year get approved when banks say no.

Right now, we offer fixed-rate mortgages only. We also have convertible mortgages — these start as short-term fixed-rate options that you can switch to a longer term later and take advantage of decreasing rate environments, without paying prepayment penalties.