Our best rates

You could save thousands of dollars over the life of your mortgage when you get a great rate with us. Plus, earn cash back when you apply for an eligible 5-year mortgage.

5-year Fixed MortgagePosted rate: 4.74%

Special rate◊◊
2.24%
(2.24% APR)

High-ratio rate✦
2.14%

5-year Variable Mortgage
Posted rate: 2.45%

Special rate◊◊
1.34%
(1.34% APR)

High-ratio rate✦
1.34%

This offer is only available for 5-year term mortgages. Want a different term? Check out all mortgage rates

Let's get started

Get in touch with one of our specialists quickly. Fill out this form and we’ll call you back at your preferred time. Or, call us now at 1-888-866-0866 Opens your phone app..

Why choose Simplii™?

Work with our dedicated mortgage specialists who can help you every step of the way.

Pay your way with flexible repayment options including weekly, bi-weekly, monthly or semi-monthly.

Great interest rates mean you keep your money where it belongs, your wallet.

Get a move on with up to $3,000† bonus cash

Apply for an eligible 5-year fixed or variable mortgage.

Set up and make pre-authorized mortgage payments from an existing or new chequing account.

Transfer your payroll or pension direct deposits into your chequing account. Learn howto switch your payroll or pension direct deposits..

Apply and are approved for a Simplii Financial™ Cash Back Visa* Card◊. Already have one? Then no worries, you’re all set.

A house

Calculate your bonus cash

Based on what you borrow, you could earn up to $3,000†.

Cash back slider. Minimum amount: $100,000. Maximum amount: $750,000. Amount will round to the nearest $50,000. Enter or move the slider to the value. Use left and right or down and up arrow keys to decrease or increase the value by $50,000; Page Up and Page down to decrease or increase the value by $50,000. Use home and end keys to reach the minimum and maximum values.

Amount you borrow


Minimum amount: $100,000. Maximum amount: $750,000. Amount will round to the nearest $50,000.

Your bonus cash

Includes the extra $250† you’ll get when you complete these steps

How much can I afford?

A house is a home, no matter the size. Use our calculator‡ to help you stay on budget.

Buying your first home?

Our simple guide will help walk you through the process.

step 1. Get pre-approved

Tell us all about yourself including some personal and employment information and what you owe.

step 2. Apply

Apply online or give us a call at 1-866-674-5612 Opens your phone app.. Don't worry, you're not on your own. We've got dedicated mortgage specialists who can help.

step 3. Make it official

Meet with your lawyer to sign mortgage papers. Your lawyer arranges the payment to the seller and property registration.

step 4. Get your keys and move in

Congratulations! We'll send you a welcome package with everything you need to know about your mortgage.

step 1. Get pre-approved

Tell us all about yourself including some personal and employment information and what you owe.

step 2. Apply

Apply online or give us a call at 1-866-674-5612. Don't worry, you're not on your own. We've got dedicated mortgage specialists who can help.

step 3. Make it official

Meet with your lawyer to sign mortgage papers. Your lawyer arranges the payment to the seller and property registration.

step 4. Get your keys and move in

Congratulations! We'll send you a welcome package with everything you need to know about your mortgage.

Ready to get started?

Whether you're switching your mortgage or it’s your first place, we'll be there to help. Answer a few quick questions and one of our dedicated specialists will be in touch.