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RBC Mortgage Rates

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RBC Mortgages Overview


Royal Bank of Canada mortgage agents are available and can provide you with advice on mortgage pre-approval, purchasing real estate, moving your mortgage to RBC and mortgage rate inquiries realtor referrals. They will explain the types of mortgages available along with the terms and rates to help you chose the mortgage best for you.

If you are switching mortgages, RBC will contact your current financial institution and make all the arrangements for you.

Aside from the main mortgage products (fixed/variable rate, open/closed) RBC offers a number of specialty mortgage types:

  • The Royal Bank of Canada Homeline Plan is a solution to manage your mortgage and line of credit in one plan while consolidating existing debt to save on interest charges.

  • RBC Investment Property Mortgage can provide financing for up to 80% of the appraised value of your rental property.

  • RBC Vacation Home Mortgage enables you to finance up to 95% of the value of your vacation home.

  • RBC Cash Back Mortgage is designed for first-time homebuyers who need cash to help with their moving costs. The amount of cash back is based on the size and term of your mortgage.


Once you are up and running, RBC allows you to skip one payment per year, provided that your current mortgage balance (combined with the amount of payments you wish to skip) does not exceed the original mortgage amount and you are not in debt with your mortgage. There is no extra fee for this option, and you have the flexibility of repaying your skipped payment at anytime throughout the term of your mortgage.



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Whether you’re a First Time Home Buyer or buying your second, third or fourth home, it pays to compare mortgage rates with Ratesupermarket.ca.

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