Customer Service

We provide many options to our customers who are seeking to purchase their next home. 

One common option is to Port Your Mortgage. Porting a mortgage means that you will  move your existing mortgage from your old property to your new property.

Porting a mortgage is a great way to avoid prepayment charges normally incurred when you break your mortgage early. Porting allows you to keep your existing interest rate, features, and remaining term of your mortgage.

Your specific rights to port a mortgage are contained in your mortgage documentation.

For more information on Porting a mortgage or other options, please contact Customer Service to speak with a mortgage specialist.

We provide many options to our customers who are seeking to purchase their next home. 

For clients who are moving to their next home, we offer the ability to have the purchaser of your existing property Assume Your Mortgage. Allowing a purchaser to assume your mortgage provides them certainty in their financing arrangement and allows you to avoid costly prepayment charges and miscellaneous expenses associated with discharging a mortgage.

All mortgage assumptions are subject to approval and subject to qualifying conditions on the person(s) who will be assuming the mortgage.

For more information on mortgage Assumptions or other options, please contact Customer Service to speak with a mortgage specialist.

Is your mortgage getting close to your maturity date? Approximately 90 days before your maturity date we will mail you a renewal package for you to review, initial, sign, and return to us, all with the convenience of not having to requalify.  

For more information please visit our Renewals information page.

Looking to take some of the equity out of your house to help you pay for a home renovation, to consolidate debt, pay for your children's education, or whatever your own unique situation demands?

Our Refinance page may help answer any questions you may have. Need more information? Our professional mortgage specialists can work with you to determine the best Refinance solution for you. Contact our mortgage servicing centre today! 

We also offer a convenient option to apply to Refinance your mortgage using our online mortgage application. After you submit your application a mortgage specialist will contact you to discuss your application.

You may have the right to pay down your mortgage subject to certain terms and conditions listed in your mortgage documentation. If you choose to pay down your mortgage by an amount that is greater than the amount allowed in your mortgage documentation, early prepayment charges may apply. The amount and method of calculation of these penalties is described in your mortgage documentation. You can estimate potential prepayment charges by using our calculator located here. More information about prepayments is available here and at the Financial Consumer Agency of Canada website. To arrange a prepayment, please contact our mortgage servicing centre.

For fixed rate mortgages, the calculation of a prepayment penalty will depend on, among other things, an IRD calculation which for most of our customers is dependent on current interest rates (please see below if you have a Street Loyalty mortgage). See the tables to determine current regular/posted interest rates. These rates are subject to change and your calculation will only provide you with an estimate.

References to "Regular Rate", "Posted Rate' and "Options Rate" or "Solutions Rate” in our mortgage documentation mean the rate in effect at the time specified.

If you need assistance in calculating your IRD or have any questions about prepayment penalties please call a Customer Service Centre located at the top of this page.

*Regular Rates / Posted rates effective May 8, 2020 at 11:59 pm ET.
**Solutions rates effective as of March 31, 2020 at 11:59 pm ET.

The above rates are compounded semi-annually, not in advance and are subject to change at any time without notice.

Changes occurring in the last 24-48 hours may not yet be reflected above.

IRD Calculations for Applicable Street Loyalty Mortgages

If you have a Street Loyalty mortgage please refer to your mortgage documentation as in some cases the IRD calculation depends in part on the applicable Government of Canada bond rate as opposed to Street’s regular/posted rates.

If you need assistance in calculating your IRD or if you have a Street Loyalty mortgage that bases its IRD calculation off of the applicable Government of Canada bond rate, contact a customer service centre located at the top of this page.

Changes occurring in the last 24-48 hours may not yet be reflected above.

Buying a home is one of the single largest purchases you will make in your lifetime. It is also an investment in your family’s financial future—an investment that needs to be protected.

We offers our mortgage clients Credit Security Plan life and disability insurance underwritten by The Manufacturers Life Insurance Company. In the event something happens to you, Credit Security Plan will protect your family's home and most important financial asset. Every eligible applicant is approved for some kind of coverage.

Don’t leave your mortgage unprotected and your family’s home at risk. Ask us about adding Credit Security Plan to your mortgage today. 

To find out more read our Credit Security Plan Brochure or contact our mortgage servicing centre.

Below is a link to a document containing a list of fees which you may have to pay during the term of your mortgage should any of circumstances listed in the document arise. We charge these fees in order to compensate us for the work we are doing in order to accommodate your request, rather than being a penalty charged by us against you.

Reference to these fees is also included in your mortgage documentation although the situations under which a fee may be charged or the amount of any fee may change over time.

To download our current Fee Schedule, please click here.

To download our current Solutions Fee Schedule, please click here.

Thank you for your interest in obtaining a deposit account.  Unfortunately, at this time our deposit product suite is limited to GICs sold through the IIROC regulated deposit dealer network.  To stay on top of all upcoming news and events, we encourage you to sign up for future communications using our Contact Us form.

Our GIC products are currently only available through a network of IIROC regulated deposit dealers. For more information please visit our GIC information page.