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You are on: Buying a Home

Everyone's mortgage needs are unique. Our customized mortgage solutions are designed to help you achieve your goals.

Start Down the Road to Home Ownership

Whether you're buying your first home or your next home, we have the tools to help answer your questions every step of the way:

Start Online Mortgage Pre-approval
 
 

Move your Mortgage to RBC Royal Bank®

We offer more than just great rates. We offer the advice you need to choose a mortgage that fits with your financial goals.

Find out How

 

Applicable to residential mortgages only and subject to Royal Bank of Canada lending criteria for residential properties. Some conditions apply.

 

Talk to a Mortgage Specialist

Our Mortgage Specialists can provide you with expert advice, and help you with:

  • Mortgage pre-approval
  • Purchasing real estate
  • Moving your mortgage to RBC
  • Mortgage rate inquiries
  • Realtor referrals
 

Find a Mobile Mortgage Specialist Near You

Search By:

(Postal Code, Address or Intersection, City, Province, Transit Number)

Want to search for a specialist by their name or a preferred language?
Try our Advanced Search.

 
 

Advice Centre

Advice Video Clips

 

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You are on: Renewing

Renewing your RBC® Mortgage?

Whether you are renewing now or in the future, give us a call at 1-800-769-2511, 24 hours a day, 7 days a week. We can help you tailor a mortgage solution based on your financial needs, and offer advice on the options available to you at renewal time, such as:

Learn more about Renewing

 

Calculate your Mortgage Payments

Are you on the right mortgage term and payment schedule to meet your goals? Compare different mortgage payment solutions and scenarios.

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Mortgage Payment Calculator

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*Interest Term: Expand — Interest Term
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*Amortization Period: Expand — Amortization Period
* Amortization Period:

 

Move your Mortgage to RBC Royal Bank®

We offer more than just great rates. We offer the advice you need to choose a mortgage that fits with your financial goals.

Find out How

 

Applicable to residential mortgages only and subject to Royal Bank of Canada lending criteria for residential properties. Some conditions apply.

 

Renewal Rate Guarantee

Sign and return your renewal forms — and if the interest rate changes before your actual mortgage renewal date, you'll automatically receive the lower rate for the term you chose.

 
 

Renew your mortgage today

  • Call 1-800-769-2511, 24 hours a day, 7 days a week
  • Visit your local branch
 
 

Advice Centre

Advice Video Clips

 

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You are on: Refinancing

Mortgage Refinancing Solutions

Thinking of using your home to finance some of your short and long term goals? We can help find the right solutions for you.

Learn more about Refinancing

 

How much equity do you have in your home?

Estimate the amount that you would qualify for if you used the equity in your home.

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Home Equity Calculator

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Continue

 

Move your Mortgage to RBC Royal Bank®

We offer more than just great rates. We offer the advice you need to choose a mortgage that fits with your financial goals.

Find out How

 

Applicable to residential mortgages only and subject to Royal Bank of Canada lending criteria for residential properties. Some conditions apply.

 

Take the Next Step

 
 

Advice Centre

Renegotiating Your Fixed Rate Mortgage

If you're thinking about renegotiating your current fixed mortgage rate to take advantage of lower rates, consider what your prepayment charges will be.

Find out more

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You are on: Managing Your Mortgage

Take Steps to Become Mortgage Free Sooner

Pay Down Your Mortgage Faster

Discover the features available with your RBC Royal Bank® Mortgage that can help you build your home equity faster and save money over the life of your mortgage.

Explore Flexible Payment Options

Explore flexible payment options like Skip-A-Payment® and additional short and long term mortgage options.

Mortgage Prepayment Charges

Learn about when it’s required, how it’s calculated, how you can avoid it and what you should consider when you are choosing between different types of mortgages.

Compare Different Payment Scenarios

Enter your mortgage details into our Mortgage Payment Calculator, and from the results page you can:

  • compare the effects of different mortgage payment solutions.
  • see how adding features such as Anniversary pre-payments and Double-Up® payments can help reduce your overall interest costs over the life of your mortgage.
Learn more about Managing Your Mortgage
 

Manage Your Mortgage Online

We've provided convenient access to many features you need to manage your RBC Royal Bank Mortgage. With RBC Royal Bank Online Banking, you can:

Learn More
 
 

Move your Mortgage to RBC Royal Bank®

We offer more than just great rates. We offer the advice you need to choose a mortgage that fits with your financial goals.

Find out How

 

Applicable to residential mortgages only and subject to Royal Bank of Canada lending criteria for residential properties. Some conditions apply.

 

We're Here to Help

For advice and tips on managing your mortgage, call us at:

1-800-769-2511

 
 

Advice Centre

Advice Video Clips

 

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You are on: Customer Service

Contact Phone Numbers

Feel free to contact a Royal Direct® representative by telephone, 24 hours a day, 7 days a week.

Service and Phone Numbers
Service Phone number
Toll-free 1-800-769-2511
TTY Line 1-800-661-1275 (hearing impaired)

Frequently Asked Questions

 

How Do I...

You are on: Make my mortgage payments affordable?

By choosing a longer amortization for your mortgage, it will help you lower your monthly payment.

However, longer amortizations increase the total amount of interest you pay over the life of your mortgage. Total interest costs are significantly increased beyond 25 years.

Learn more

You are on: Take my mortgage with me when I move?

Our mortgage portability option lets you transfer the terms and conditions of your current RBC Royal Bank® mortgage to your new home, subject to a credit review and property appraisal when you make the new home purchase.

You may also qualify to Add-On to the mortgage if you require a larger mortgage amount.

Learn more

You are on: Find the right financing option for my home improvement project?

If you own a home, using the equity you have built up may be one of the most cost-effective ways to finance a home improvement project. And in many cases, home equity products can offer you a lower interest rate as compared to other types of loans.

Find out more about home equity loans and secured lines of credit in our guide to Renovating Your Home.

You are on: Manage my mortgage in Online Banking?

With RBC Online Banking, you can:

  • Watch your mortgage decrease every time you make a payment (Payments are processed overnight)
  • Arrange a Skip-A-Payment® or Double-Up® mortgage payments
  • Pay property taxes and utility bills
  • Schedule regular payments to occur automatically
  • View your HomeProtector® life and disability insurance coverage
Learn More
 

More

 

Talk to a Mortgage Specialist

Our Mortgage Specialists can provide you with expert advice, and help you with:

  • Mortgage pre-approvals
  • Purchasing real estate
  • Moving your mortgage to RBC
  • Rate inquiries
  • Realtor referrals

Find a Mortgage Specialist