President's Choice Financial|accounts and products|the unbeatable, eatable mortgage|what are your needs?

first-time homebuyer

get the straightforward advice you need and a guaranteed low rate

buying a home is a big decision — we're here to help

When buying your first home, you want the lowest rate, but you also want to know that you have all the information you need to make the right decisions. At President's Choice Financial services, you will be assigned a dedicated Mortgage Specialist to be there every step of the way, with answers to all your mortgage questions. And once you are pre-approved, your great low rate is guaranteed for up to 120 days¹, so there's no rush to buy.

more reasons to choose President's Choice Financial services for your first mortgage:

take advantage of low interest rates low interest rates
your dedicated Mortgage Specialist knows you and cares about your needs
rate guaranteed for up to 120 days
choose from our menu of 4 unbeatable, eatable mortgages
prepay up to 20% off your principal per year (most banks only allow 10%)
apply from the comfort of your home or office
earn PC points on most mortgages towards free rewards
extended amortization now available³ – contact us for more details

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

Calculate how many PC points you can earn with most of our mortgages.

useful links

Information on Mortgage Default Insurance
Making a down payment of less than 20%? Visit the Canada Mortgage and Housing Corporation
Using your RRSP for a down payment? Visit the Canadian government's Home Buyers' Plan

more financing needs

already applied?

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

¹120 day rate guarantee may not be available on all unbeatable mortgage specials and is subject to change without notice. Not available on the variable rate mortgage.
²Minimum 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.
³Available on owner-occupied residences only. Additional insurance premium applies; ask for details.

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.