Bank Products and Features
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| Lenders | FRM | ARM | ORM | HELOC | Bridge Loans | Pre-Approved Mortgage | Self-Employed Mortgage | Switch Mortgage | New Immigrant Mortgage | Multiple Term Mortgage | Income Property | Second Home Mortgage | Cash-Back Mortgage | All-In-One Mortgage | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Variable | 6 Months | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years | ||||||||||||||
| AGF Trust | - | 4.650 | 3.040 | 3.200 | 3.240 | 3.390 | 3.490 | No | Yes | No | Yes | No | Yes | No | No | No | Yes | Yes | No | No |
| Alterna Bank | 3.100 | 4.000 | 3.050 | 3.300 | 3.350 | 3.400 | 3.450 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |||
| Alterna Savings | 3.100 | 4.000 | 3.050 | 3.300 | 3.350 | 3.400 | 3.450 | |||||||||||||
| ATB Financial | 2.750 | 4.450 | 3.200 | 3.550 | 3.950 | 4.390 | 3.990 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Bank Montreal Mtg. Corp. | 2.850 | 4.450 | 3.500 | 3.750 | 4.350 | 5.140 | 5.440 | YES | YES | YES | YES | YES | YES | YES | YES | YES | YES | |||
| Bank of Montreal | 3.100 | 4.450 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | |||||||||||||
| Bank of Nova Scotia | 3.100 | 4.550 | 3.650 | 3.890 | 3.990 | 4.390 | 4.990 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Boomerang Credit Union | 3.200 | - | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | |||||||||||||
| Bridgewater Bank | - | - | 3.290 | 3.440 | 3.490 | 3.570 | 3.540 | No | No | Yes | Yes | Yes | No | Yes | No | |||||
| Caisses Desjardins | 3.200 | 4.400 | 3.190 | 3.550 | 3.950 | 4.640 | 5.440 | Yes | Yes | Yes | Yes | |||||||||
| Canadian Western Bank | 3.200 | 4.450 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | Yes | Yes | Yes | ||||||||||
| Canadian Western Trust | 3.200 | 4.450 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | Yes | Yes | Yes | Yes | Yes | ||||||||
| CIBC Mortgages | 3.200 | 4.450 | 3.200 | 3.290 | 3.950 | 4.390 | 5.440 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Comtech Credit Union | - | 6.600 | 2.990 | 3.250 | 3.290 | 3.190 | 3.490 | Yes | Yes | Yes | ||||||||||
| Concentra Financial | - | 4.450 | 3.500 | 3.850 | 4.350 | 4.990 | 5.390 | Yes | Yes | Yes | Yes | Yes | ||||||||
| DUCA Financial Services | 3.000 | 4.500 | 3.250 | 3.300 | 3.350 | 3.400 | 3.600 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | No | Yes |
| Effort Trust | - | 4.450 | 3.450 | 3.800 | 3.900 | 4.600 | 5.100 | No | Yes | No | No | Yes | No | Yes | No | Yes | No | No | No | |
| Equitable Trust | - | - | 3.500 | 3.850 | 3.950 | 4.640 | 5.140 | Yes | Yes | No | No | No | Yes | No | Ys | No | Yes | No | No | No |
| First Calgary Financial | - | 4.450 | 2.390 | 3.550 | 2.990 | 3.390 | 3.490 | Yes | Yes | Yes | Yes | |||||||||
| First National Financial | 3.100 | 4.450 | 2.940 | 3.150 | 3.190 | 3.250 | 3.490 | Yes | No | No | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | No |
| FirstLine Mortgages | 3.550 | 4.950 | 3.240 | 3.550 | 3.590 | 3.790 | 4.040 | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | ||
| FirstOntario Credit Un. | 2.790 | 4.440 | 2.980 | 3.180 | 3.280 | 3.290 | 3.390 | Yes | Yes | Yes | Yes | Yes | ||||||||
| Home Trust Company | - | - | 2.990 | - | 3.190 | - | 3.490 | Yes | No | Yes | No | No | Yes | Yes | Yes | No | Yes | Yes | No | No |
| HSBC Bank Canada | 3.100 | 4.450 | 3.600 | 3.950 | 4.450 | 4.990 | 5.440 | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | No | No | Yes |
| ICICI Bank Canada | 3.050 | - | 3.150 | 3.650 | 3.640 | 3.690 | 3.440 | Yes | No | No | No | Yes | Yes | Yes | Yes | No | Yes | No | No | No |
| ING Direct | 3.000 | - | 3.090 | 3.150 | 3.190 | 3.250 | 3.490 | Yes | No | No | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | No | No |
| Investors Group Trust | 3.000 | 4.550 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | Yes | Yes | Yes | Yes | Yes | ||||||||
| Laurentian Bank Canada | 3.200 | 4.400 | 3.500 | 3.550 | 3.950 | 4.640 | 5.440 | |||||||||||||
| League Svgs & Mortgage | - | 4.450 | 3.200 | 3.550 | 3.950 | 4.390 | 5.440 | |||||||||||||
| League Svgs & Mortgage | - | 4.450 | 3.350 | 3.600 | 4.150 | 4.940 | 5.190 | |||||||||||||
| Libro Financial Group | - | 4.000 | 3.400 | 3.600 | 4.100 | 4.300 | 3.480 | |||||||||||||
| London Life | 3.000 | 4.550 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | |||||||||||||
| Macquarie Financial Ltd. | 3.000 | - | 3.500 | - | 4.350 | 4.990 | 5.390 | |||||||||||||
| Manulife Bank | 2.900 | 4.450 | 3.000 | 3.150 | 3.300 | 3.350 | 3.400 | |||||||||||||
| Manulife Trust | - | 4.450 | 3.000 | 3.150 | 3.300 | 3.350 | 3.400 | |||||||||||||
| Meridian Credit Union | 2.850 | 4.450 | 3.200 | 3.550 | 3.950 | 3.400 | 3.390 | |||||||||||||
| National Bank | 3.200 | 4.450 | 3.500 | 3.550 | 3.950 | 4.640 | 5.440 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Ontario Civil Service CU | 3.000 | 6.000 | 3.090 | 3.250 | 3.490 | 3.300 | 3.440 | |||||||||||||
| PACE Savings & Credit Un | - | 4.450 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | |||||||||||||
| PACE Savings & Credit Un | - | 4.450 | 3.350 | 3.600 | 4.250 | 5.190 | 5.440 | |||||||||||||
| Parama Credit Union | 2.950 | - | 3.000 | 3.250 | 3.350 | 3.350 | 3.600 | |||||||||||||
| Peace Hills Trust | - | 4.500 | 3.250 | 3.550 | 3.650 | 4.650 | 3.950 | |||||||||||||
| President's Choice Fin'l | 3.100 | 6.040 | 3.140 | 3.200 | 3.240 | 3.300 | 3.540 | |||||||||||||
| ResMor Trust | - | - | 2.890 | - | 3.290 | - | 3.640 | Yes | Yes | Yes | Yes | No | ||||||||
| Royal Bank of Canada | 3.200 | 4.450 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | |||||||||||||
| Servus Credit Union | - | 4.450 | 3.200 | 3.550 | 3.950 | 4.390 | 5.440 | |||||||||||||
| Steinbach Credit Union | - | - | 2.750 | 3.000 | 3.100 | 3.250 | 3.500 | |||||||||||||
| T-D Mortgage | 3.200 | 4.450 | 3.200 | 3.550 | 3.950 | 4.640 | 5.440 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | ||||||
| Teachers Credit Union | - | - | 3.290 | 3.490 | 3.690 | 3.890 | 4.090 | |||||||||||||
| Ukrainian Credit Union | - | - | 3.090 | 3.250 | 3.300 | 3.350 | 3.490 | |||||||||||||
| Virtual One Credit Union | - | - | 2.800 | 3.250 | 3.450 | 3.700 | 3.750 | |||||||||||||
| Windsor Family C.U. | - | 4.450 | 3.200 | 3.250 | 3.850 | 4.790 | 5.190 | |||||||||||||
| Your Credit Union | 3.500 | - | 3.500 | 3.700 | 4.200 | 3.890 | 3.790 | |||||||||||||
| Your Neighbourhood C.U. | - | - | 3.300 | 3.400 | 3.500 | 3.600 | 3.700 | |||||||||||||
| Lenders | Extra Payments | Payment Frequency | Skip-a-Payment | Rate Hold | Rate Drop Policy | PAM: Term Sepcific | Early Pay Out | Guarantor Release | Penalty Calculaiton | Online access to Mortgage | Blending | Portable | Assumable |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AGF Trust | 20/20 | Monthly, Biweekly, Weekly | No | 120 days (purchase); 60 days (refi) | Unlimited requests in writing | No | Yes | Yes | No | No | Yes | Yes | Yes |
| Alterna Bank | 20/20 + double your pmt. | Monthly, Semi-Monthly, Biweekly, Weekly | 90 days | ||||||||||
| Alterna Savings | |||||||||||||
| ATB Financial | 20/20 | Monthly, Biweekly, Weekly | Yes | 90 days | Unlimited requests | No | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Bank Montreal Mtg. Corp. | 20/20 | Monthly, Semi-Moonthly, Biweekly, Weekly | YES | 120 | 90 days | No | Yes | No | Yes | Yes | Yes | Yes | |
| Bank of Montreal | |||||||||||||
| Bank of Nova Scotia | 15/15 | Monthly, Semi-Monthly, Biweekly, weekly | No | 120 days | Yes | Yes | Yes | Yes | |||||
| Boomerang Credit Union | |||||||||||||
| Bridgewater Bank | 20/20 | Monthly, Semi-Monthly, Biweekly, Weekly | 90 days | Yes | Yes | No | Yes | Yes | |||||
| Caisses Desjardins | 200/15 | Monthly, Biweekly, Weekly | 120 days | Yes | |||||||||
| Canadian Western Bank | 20% | Monthly, Biweekly, Weekly | |||||||||||
| Canadian Western Trust | 20/20 | Yes | Yes | Yes | |||||||||
| CIBC Mortgages | 100/20 | Monthly, Semi-Monthly, Biweekly, Weekly | No | 90 days; 1-yr (new construction) | Lower of approval date, or funding date | No | Yes | Yes | Greater of 3 mo int. or IRD | Yes | Yes | Yes | Yes |
| Comtech Credit Union | 100/30 | ||||||||||||
| Concentra Financial | 100/20 | Monthly, Semi-Monthly, Biweekly, Weekly | 120 days | ||||||||||
| DUCA Financial Services | 20/100 | Monthly, Semi-Monthly, Biweekly, Weekly | No | 90 days | Yes | Yes | No | Yes | Yes | Yes | Yes | ||
| Effort Trust | 10% | Monthly, Semi-Monthly, Biweekly, Weekly | |||||||||||
| Equitable Trust | 20% | Monthly, Semi-Monthly, Biweekly | No | 90 | One time, written request | No | Yes | No | No | No | Yes | Yes | Yes |
| First Calgary Financial | 20/20 | 60 days | Yes | Yes | |||||||||
| First National Financial | 100/15 | Monthly, Semi-Monthly, Biweekly, Weekly | No | 120 days | written requests, unlimited | No | Yes | Yes | No | Yes | Yes | Yes | Yes |
| FirstLine Mortgages | 25/20 | Monthly, Semi-Monthly, Biweekly, Weekly | No | 90 days | No | Yes | No | No | No | Yes | Yes | Yes | |
| FirstOntario Credit Un. | Monthly, Biweekly, Weekly | Yes | 90 days | Yes | Yes | ||||||||
| Home Trust Company | 20/20 | Monthly, Biweekly | No | 120 days | One time rate drop; written request required | N/A | Yes | No | No | No | Yes | Yes | No |
| HSBC Bank Canada | 20/20 | Monthly, Semi-Monthly, Biweekly, Weekly | Yes | 60 days | No | Yes | Yes | Great of 3 mo. int. or IRD | Yes | Yes | Yes | Yes | |
| ICICI Bank Canada | 20/20 | Monthly, Biweekly, Weekly | No | 120 days (purchase); 90 days (refi) | Lowest rate on approval or funding date. | No | No | No | Greater of 3 mo. int. or IRD | Yes | No | Yes | Yes |
| ING Direct | 25/25 | Monthly, Semi-monthly, Biweekly, Weekly | No | 120 days | Lowest rate within the rate hold period will automatically apply | No | Yes | No | Prepayment included, if you refinance with ING. | No | Yes | Yes | Yes |
| Investors Group Trust | 15/15 | Monthly, Semi-Monthly, Biweekly, Weekly | 90 days | ||||||||||
| Laurentian Bank Canada | |||||||||||||
| League Svgs & Mortgage | |||||||||||||
| League Svgs & Mortgage | |||||||||||||
| Libro Financial Group | |||||||||||||
| London Life | |||||||||||||
| Macquarie Financial Ltd. | |||||||||||||
| Manulife Bank | |||||||||||||
| Manulife Trust | |||||||||||||
| Meridian Credit Union | |||||||||||||
| National Bank | 10/100 | Monthly, Biweekly, Weekly | No | 90 days | No | Yes | No | No | No | Yes | Yes | Yes | |
| Ontario Civil Service CU | |||||||||||||
| PACE Savings & Credit Un | |||||||||||||
| PACE Savings & Credit Un | |||||||||||||
| Parama Credit Union | |||||||||||||
| Peace Hills Trust | |||||||||||||
| President's Choice Fin'l | |||||||||||||
| ResMor Trust | 20/20 | Monthly, Semi-Monthly, Biweekly, Weekly | Yes | Greater of 3 months interest or IRD | Yes | Yes | |||||||
| Royal Bank of Canada | |||||||||||||
| Servus Credit Union | |||||||||||||
| Steinbach Credit Union | |||||||||||||
| T-D Mortgage | |||||||||||||
| Teachers Credit Union | |||||||||||||
| Ukrainian Credit Union | |||||||||||||
| Virtual One Credit Union | |||||||||||||
| Windsor Family C.U. | |||||||||||||
| Your Credit Union | |||||||||||||
| Your Neighbourhood C.U. |