Choosing a mortgage, renewing your mortgage, paying off your mortgage faster and more.


Services and information

Choosing a mortgage that is right for you

Mortgage basics, such as the term, amortization period, payment frequency and fixed or variable interest rate.

Preparing to get a mortgage

What to do before you start shopping for a mortgage.

Getting preapproved for a mortgage

Where to get a mortgage and how the preapproval process works.

How much you need for a down payment

The minimum amount you will need for a down payment toward the price of a home and mortgage loan insurance.

Mortgage terms and amortization

How the term and amortization can impact the mortgage costs.

Interest on mortgages

How mortgage options impact interest rates.

Breaking your mortgage contract

Switching your mortgage to another lender, including the costs and benefits of breaking your contract.

Mortgage fees: Prepayment penalties

Prepayment privileges, when prepayment penalties apply and how they are calculated.

Mortgage relief options

Options that could help if you’re facing difficulties paying your mortgage.

Mortgage payment deferrals

What you can expect when you defer your mortgage.

Paying off your mortgage faster

Making lump-sum payments, increasing regular payments and keeping your payments the same when you renew.

Optional mortgage insurance products

Mortgage life insurance and mortgage disability and critical illness insurance.

Discharging a mortgage

What to expect, when to discharge your mortgage, how much it costs and where to get more information.

Renewing your mortgage

The steps to renew your mortgage.

Mortgage Qualifier Tool

Find out if you can qualify for a mortgage based on the property you want, your income and your expenses.

Mortgage Calculator

Calculate your mortgage payment schedule and how to save money by making prepayments.

Mortgages: know your rights

Applying for a mortgage, making prepayments, renewing your mortgage and more.

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