Check out our mortgages

Fixed-rate mortgages


Special rate

High-ratio rate

(APR 5.34%)


When to choose fixed

  • You want the comfort of a predictable payment
  • You want the options of 2- to 10-year terms
  • You want peace of mind by locking in a specific mortgage term and rate


Applies only to new mortgages of owner-occupied properties with an amortization of 25 years or less.

Variable rate mortgages


Special rate

High-ratio rate

(APR 6.45%)


When to choose variable 

  • You're comfortable knowing that your payment amount may change if interest rates change
  • You want the option to convert to fixed if rates go up
  • You think interest rates won't increase


Applies only to new mortgages of owner-occupied properties with an amortization of 25 years or less.

Annual Percentage Rate (APR) is 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.

Why choose a Simplii mortgage

Forbes named Simplii as one of the 2022 World’s Best Banks in Canada.

No appraisal fees.

We'll guide and support you with our in-depth mortgage expertise.

Use our helpful calculators

Not sure of what home or property price you can afford? Let's figure it out.

Need to know what your payments could be? Check out your options.

Want to pay off your mortgage sooner? Estimate your prepayment charges.

What would you like to explore?

Build your mortgage knowledge, find out what you can afford, compare rates and learn how to apply.

Learn how easy it is to switch to Simplii™. Let us help you simplify your mortgage and save money, too.

Get closer to being debt free when you renew or refinance your mortgage. Check out your prepayment options, too.

Whether you've graduated from medical school or you’re starting a new life in Canada, our special mortgage programs are tailored to you. Make your home purchase a reality.

Get to know our mortgage specialists

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