President's Choice Financial

With President’s Choice Financial^® mortgages, you get our best rates up front – with no haggling!

Whether you’re upgrading, downsizing, or looking for your first home, there’s a President’s Choice Financial mortgage to fit your needs. Our rates are lower than those posted by most traditional banks, so you could save thousands of dollars in interest over the life of the mortgage.

Go house-hunting with a pre-approved fixed rate mortgage that’s guaranteed up to 120 days¹ so you can buy with confidence
Get mortgage-free faster by making annual lump sum payments of up to 20% of your principal, increase your payments by up to 25% every year, or make your mortgage payments more frequently than once a month
Take your pick from variable or fixed rate mortgages²
Earn hundreds of dollars in PC^® points towards FREE groceries with most of our mortgages³

find out more

No haggling. No pressure. Talk to us.
Visit an in-store pavilion or call 1-888-236-6029 today!

Visit an in-store pavilion to find out more
about our mortgages.

If you already bank online with us
open your account faster when you sign in,
then select the orange Apply Now button.

Product details subject to change.

¹ 120-day rate guarantee is available when purchasing a home. 60-day rate guarantee is offered when transferring or refinancing your mortgage. Not available on the variable rate mortgage. Subject to change without notice. Mortgage preapproval is based on the information you provide. Actual mortgage approval is subject to a satisfactory property and credit review.
² Minimum amount for a President’s Choice Financial mortgage is $35,000. Mortgages are subject to credit approval. Conditions and restrictions apply. Not available in Quebec.
³ Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter. PC points may not be redeemed against the purchase of tobacco, lottery tickets, alcohol, prescription medication, milk in Quebec, or any products or services prohibited by law or as we determine from time to time. Number of PC points varies by mortgage. PC points are not earned with the variable rate, basic or 5% cash back fixed rate mortgages. In-store rewards available at participating stores where President’s Choice products are sold.

^® PC, PC Financial, President’s Choice and President’s Choice Financial are registered trademarks of Loblaws Inc. Trademarks used under licence.
^†President's Choice Financial personal banking services are provided by the direct banking division of CIBC. PC points program is provided by President’s Choice Services Inc.