Switch to our† 2.69%* 4-year fixed rate¹ mortgage. Learn more. Learn more

Renewing Your Mortgage

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Renewing your mortgage is easy. We'll put together the competitive rates, flexible payments and convenient features you know and love into your President's Choice Financial mortgage.

Open DialogClose DialogPrepayment Opportunity

The end of your mortgage term is a special time. You have the opportunity to prepay as much as you'd like without restrictions or prepayment charges. To learn more, call us toll free at 1-888-712-7315.

Open DialogClose DialogRenewing Early

As an existing President's Choice Financial customer you may be eligible for our early renewal offer to renew your mortgage up to 150 days in advance of the end of your term. This offer allows you to take advantage of current posted rates and renew your outstanding principal balance early without paying a prepayment charge. Some conditions and restrictions apply; ask for details.

Ready to renew?
Call us toll free at 1-888-712-7315

Open DialogClose DialogRenew at Maturity

If you choose to wait until the end of your term to renew your mortgage you will be eligible to receive the lower of the posted rate 30 days prior to maturity or the posted rate on your maturity date. This way even if rates increase you'll be granted our lower between the two rates*.

Ready to renew?
Call us toll free at 1-888-712-7315

*Some conditions apply; ask for details.

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**Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less. Annual Percentage Rate (APR) is based on a new $400,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $250. Rates shown for the applicable term are PC Financial's special discounted rates and are not posted rates of PC Financial. Offer may be changed, withdrawn or extended at any time, without notice. Offer cannot be combined with other offers and is not available on variable rate, basic or cashback fixed rate mortgages, existing PC Financial mortgages or mortgage renewals.

APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

i2.37% APR
ii2.37% APR (Fresh Cut No Points only)
iii2.69% APR (Fresh Cut and Fresh Cut No Points only)

All credit products are subject to credit approval.Some conditions and restrictions apply; ask for details.

Fresh Financial Thinking®

Today's Great Rates

5 year variable:
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Special** 5 year variable: 
2.35%i
2 year fixed: 
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Special** 2 year fixed: 
2.34%ii
3 year fixed: 
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4 year fixed:
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Special** 4 year fixed: 2.67%iii
5 year fixed: 
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7 year fixed: 
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10 year fixed: 
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Tools & Calculators

please be aware that the Tools and Calculators are not ready for accessibility. Please call us at 1-888-723-8881 and we will be pleased to assist you