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Variable rate mortgage

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Variable rate mortgage

Keep your options open with a rate that follows the market

Pay more or less interest, depending on the prime rate. You could pay off your mortgage faster. Plus, you can switch to a fixed rate any time.

Our rates and terms

Term Rate Get started
5-Year Open 7.45% Find a branch
5-Year Closed 5.20% Apply now

Get personalized advice

Our Mortgage Specialists can tell you more about how to get a mortgage and give you expert advice on becoming a home owner.

Want to do the math?

Find out how much mortgage you can afford or figure out your mortgage payment with our helpful calculators.

Be mortgage free sooner

We call it 20/20 prepayment. Pay off up to 20% more of your mortgage each year through a combination of prepaying more of your original principal balance and increasing your original mortgage payment.

Apply online in 3 easy steps


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1. Create your profile.

Generally, we’ll hold any of our advertised rates for you for 120 days unless otherwise stated. No questions asked and no further commitment.
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2. Submit your application.

Then, we’ll provide you with your free credit score and send you a list of any other documents we need from you to complete your application.
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3. Get approved

Once your application is complete we’ll send you a final approval within a few business days.

Looking for something else?


Fixed rate mortgages

Lock in a great rate and enjoy interest and payments that stay the same even if the market shifts.

High ratio mortgages

Buy with less than 20% down to get into the market faster. Great for first-time buyers.

Construction mortgages

Build from scratch or improve a fixer-upper with options designed for construction and renovation.

Questions? There are several ways to get in touch