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Check out our mortgage rates

Fixed-rate mortgages


Special rate




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

Variable-rate mortgages


Special rate




Applies 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.

Make additional payments at maturity without restrictions and prepayment charges.

Renew your mortgage early and take advantage of our great rates. No added charges.

Make the switch from variable to a fixed mortgage of 3 years or greater at any time during your term.

Our mortgage specialists are here for you

They'll help you understand the renewal process and find a mortgage that's right for you. Call us at 1-888-866-0866 Opens your phone app.

Access up to 80% of your home’s appraised value

Pay other bills

Renovate your home

Grow your wealth

Prepay and own your home sooner

Make payments of up to 20% of your original mortgage amount per year without prepayment charges. Applies to fixed rate mortgages with at least a 2-year term or on variable rate mortgages. Adjust your schedule to squeeze in more payments or increase the amount of payments. You'll save on interest and become mortgage-free sooner.

We know life happens, that’s why we’re here to help

Need help managing your mortgage payments? Don’t stress, we may have options for you

  • Rainy Day – Having a hard time making your payments this month? Our Rainy Day option allows you to skip one month of mortgage payment(s) once per anniversary year.
  • Need more than one month of relief? Visit our Debt help page.
  • Lower your mortgage payment – Looking for options to decrease your monthly payments? Whether you’re extending your amortization or refinancing your mortgage, we may be able to help.
  • Switch from variable to fixed rate – Worried about rising interest rates? You can convert your variable-rate mortgage to a fixed-rate mortgage at any time.

To find out more about your options and to find the best solution for you, contact our mortgage specialists at 1-888-866-0866 Opens your phone app..

Thinking of moving on? Let's talk.

We know life happens. There might be a few reasons you may need to break your mortgage:

  • Sell your property
  • Transfer your mortgage

If you break your mortgage, you'll have to pay a prepayment charge. To find out which mortgage transactions may result in a charge, explore our prepayment options.

Staying with Simplii has its benefits. Call one of our mortgage specialists and chat about how we can make your experience better.

Special mortgage programs

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.

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No need to make an appointment or rearrange your schedule.

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