Split Your Mortgage

Low variable mortgage rate?
Protection of a fixed mortgage rate?

With RBC Homeline Plan you
can get both - at great rates!

The RBC Homeline Plan allows you to split your mortgage to take advantage of today's low interest rates, and provide protection if rates rise.

Perfect for Homeowners with 20% equity in their home The Benefits Take advantage of today's low rates and protect yourself from future rate increases by splitting your mortgage into fixed and variable rate terms.

For Example:

• 50% of your mortgage is fixed for five years at the amazing low rate of 5.79%* (5.82%¹ APR).
• 50% of your mortgage is in a 5 year variable rate closed mortgage at our competitive prime rate minus 0.35%, currently 4.40%** (4.44%² APR).

Does the split have to be 50/50?

• No, the percentage^‡ of split is up to you!

Mortgage Features

We have many mortgage options designed to help save interest costs and meet your personal financial requirements.

• Pay Down Your Mortgage Faster. Reduce the number of years it takes to pay off your mortgage and enjoy substantial savings by Increasing Your Monthly Payments, Making Double-Up^® Payments, Accelerating Your Payment Schedule, Making Principal Prepayments and more!
• Flexible Payment Options. You'll enjoy the comfort of knowing you're protected with our Interest Rate Protection, Skip-A-Payment^®, and our Mortgage Add-On feature.

						Get Pre-Approved Lock your rate, and know exactly how much home you can afford.
							Start your Pre-Approval online		Talk to a Mortgage Specialist		Call now - 1 877 769-2570

* Interest rate compounded half-yearly, not in advance. Interest rates are subject to change without notice at any time.

** Interest rate is compounded monthly, not in advance. This rate may change at any time without notice. Royal Bank of Canada prime rate is an annual variable rate of interest announced by Royal Bank of Canada from time to time as its prime rate.

The annual percentage rate (APR) is based on a $100,000 mortgage for the applicable term assuming certain cost of borrowing charges (for example, appraisal fees). If there are no cost of borrowing charges, the APR and the interest rate will be the same.

¹ APR 5.82%. Offer expires September 30, 2008.

² APR 4.44%. Offer expires September 30, 2008.

For mortgages approved on or before September 30, 2008 funds must be advanced within 90 days of date of application in order to qualify for the Special Offer rate. Offer may be changed, withdrawn or extended at any time, without notice.

^‡ Subject to minimum mortgage amount of $5,000.

All lending products are offered by Royal Bank of Canada ("RBC Royal Bank"). The Split Mortgage offer is available only if you have a RBC Homeline Plan. Qualified applicants receive two mortgage loan segments under their RBC Homeline Plan at the rates indicated. Subject to RBC Royal Bank standard lending criteria. Rates shown are discounted rates. Offer may be changed, withdrawn or extended at any time, without notice. Not available in combination with any other rate discounts, offers or promotions. Some other conditions may apply. Contact us for details.