President's Choice Financial|accounts and products|the unbeatable, eatable mortgage

pie image the unbeatable, eatable mortgage^™

All the right ingredients for the mortgage that fits your life.

Whether you’re upgrading, downsizing or looking for a starter home, President’s Choice Financial^® mortgages have all the right ingredients that suit your taste – and your lifestyle. We’ve put together low rates, flexible payment options, and convenient features you want so you can just sit back, relax and enjoy your home. Just choose from the great selection of President’s Choice Financial mortgages.

You'll get our best rate up front, and they're generally lower than the posted rates of most traditional banks. This could save you thousands of dollars in interest, without haggling!

With President’s Choice Financial you can have your mortgage and still live your life. That’s why we’ve put together options that make your mortgage easier for you. Whether you're interested in a fixed rate mortgage, considering a variable rate mortgage or have something else in mind, our complete a menu of mortgages gives you the choices you're looking for with the range of features you want.

more reasons to choose a President's Choice Financial mortgage

great low rates up front
option to earn PC points¹ towards free rewards
up to 120 day rate guarantee²
generous prepayment privileges to help you pay down your mortgage faster
several mortgage products to choose from
a dedicated Mortgage Specialist to help you
a process that you can complete from the comfort of your home or office
our best rate offered to you when you renew with us
extended amortization periods up to 35 years³

get the right kind of mortgage for you

Whatever you're looking for, we're sure to have a mortgage to meet your needs.

have questions about mortgages? ask an expert today!

Our Personal Banking Representatives are ready to answer your questions — just call 1-888-236-6362 or visit an in-store pavilion


	what are your needs?		first-time homebuyer let a dedicated Mortgage Specialist walk you through it — and lock in at a great low rate for up to 120 days transferring your mortgage get a great rate, flexible repayment options and PC points when you switch to an unbeatable, eatable mortgage refinancing your mortgage refinance to tap into the equity in your home

	a menu of mortgages		variable rate mortgages you could own your home faster with our competitive low rate. fixed rate mortgages A reduction upfront off our posted rates on the 5, 7 & 10-year fixed rate mortgages of $200,000 or more⁴. Choose from our great selection of fixed rate mortgages: the PC points plus fixed rate mortgage for competitive low rates, plus PC points on closing and each anniversary, the fresh cut fixed rate mortgage for great low interest rates on a 2 to 10-year term, plus PC points on closing, or the basic fixed rate mortgage for a rate that's 0.10% below our fresh cut fixed rates on a 2 to 10-year term other mortgages 5% cash back mortgage get cash back to help with your moving expenses, closing costs or your next vacation — plus a 120 day rate guarantee² option when purchasing a home 6/12 convertible mortgage a short-term mortgage with the flexibility to convert to a standard fixed rate at any time

	mortgage tools & information		mortgage comparison chart see which unbeatable, eatable mortgage best fits your needs What can I afford? get a better idea of what kind of home you can afford with your mortgage mortgage calculator find out which mortgage options are best for you additional costs to consider see which unplanned expenses can take you by surprise

already applied?

If you have already applied, you can continue with your saved mortgage application or view your status.

¹Minimum 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.
² 120-day rate guarantee offered when purchasing a home. A 60-day rate guarantee is offered when transferring or refinancing your mortgage. Is subject to change without notice. Not available on the variable rate mortgage.
³Available on owner-occupied residences only. Additional insurance premium applies; ask for details.
⁴Reduction applies to new and renewing 5, 7 & 10 year fixed rate mortgages of $200,000 or more, and is a set amount off our posted rates for 5, 7 & 10 year fixed rate mortgages. Amount of rate deduction depends on mortgage principal amount. Certain conditions and restrictions apply; ask for details. For refinances and ports, rate reduction applies to new funds only. Does not apply to cash back mortgages or assumptions.

President’s Choice Financial mortgages are not currently available in Quebec.
Minimum amount for a President's Choice Financial mortgage is $35,000.00.
Subject to credit approval. Conditions and restrictions apply.

^®™PC, PC Financial, President’s Choice, President’s Choice Financial, unbeatable, eatable mortgage and Fresh Financial Thinking are trademarks or registered trademarks of Loblaws Inc. CIBC a licensee of the marks.

get the right kind of mortgage for you

have questions about mortgages? ask an expert today!

fixed rate mortgages

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already applied?