Fixed Rate Mortgages

If you would like to guarantee a fixed payment for the length of your term, a fixed rate mortgage would be best for you.


  • Enjoy the security of a set, competitive interest rate.
  • Repayment plans to suit your needs with a fixed payment.*
  • Available for both conventional and high ratio mortgages.**
  • Both open and closed options available:
Open: Closed:
Term is 1 year. Terms up to 7 years.
Pay off as much as you want above your regular monthly payment and/or as early as you want without prepayment penalties. Can prepay up to 15% of the original loan amount per calendar year and up to double your regular monthly payments before prepayment penalties apply.
Flexibility to switch to a closed mortgage.



  • *Payments can be made weekly, biweekly, semimonthly or monthly
  • **Conventional mortgages require a minimum down payment or equity position of 20%. Mortgages with less are considered high-ratio and must be insured through Canada Mortgage and Housing Corporation (CMHC) or Genworth Corporation
  • Must meet certain approval conditions
  • Cost of credit and any fees associated with the loan will be disclosed at the time of approval

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