President's Choice Financial|accounts and products|the unbeatable, eatable mortgage|a menu of mortgages

a menu of mortgages

the right kind of mortgage for you with great low rates

Whatever you're looking for, we're sure to have a mortgage to meet your needs. And you're always sure to get our best rate, up front!

variable rate mortgages
you could own your own home faster with our competitive rates and flexible payment options. Plus, enjoy peace of mind with the option to lock into a fixed rate of 3 years or more at any time.

fixed rate mortgages

choose from the PC points plus fixed rate mortgage for competitive low rates plus PC points¹ on closing and each anniversary, the fresh cut fixed rate mortgage for great low interest rates on a 2 to 10-year term, 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.

Plus, you can get a reduction upfront off our posted rates on 5, 7 & 10-year fixed rate mortgages of $200,000 or more²

5% cash back mortgage
get cash back to help with your moving expenses, closing costs or your next vacation — plus a 120 day rate guarantee ³option 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

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.

already applied?

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

Minimum amount for a President's Choice Financial mortgage is $35,000.00. Mortgages are subject to credit approval. Conditions and restrictions apply. Not available in Quebec.

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.
²Reduction 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.
³120-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.

^®™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.