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Two Options for Canadians to Tap Into U.S. Equity

Borrow the amount that you need - up to 80% of your home's value - and preserve the credit you have available in Canada.

Home Equity Line of Credit1

Maximum flexibility with access to funds online, anytime with no minimum balance, usage or draw requirements
  • Peace of mind of having U.S. cash when you need it without concern for fluctuating foreign exchange costs
  • Interest-only payments for a 10 year draw period
special offer

Save thousands on closing costs with a No-Fee HELOC3 Offer available until February 28, 2022

Call to Apply: 1-866-283-5928

Refinance Your Property1,2

A lump sum of cash with monthly payments amortized over 30 years to keep payments low
  • Our lowest interest rates locked in for a 3-, 5-, 7- or 10-year term4
  • The ability to make lump-sum payments at any time with no pre-payment penalties
special offer

$0 underwriting fees on new refinancing5 Offer available until February 28, 2022

Apply Online Call to Apply: 1-866-283-5928

Calculate the U.S. Equity You Can Access

No-Fee HELOC3 or Cash-Out Refinance1,2?

Estimate Your Monthly Payments in USD or CAD

U.S. Home Equity Calculator
Watch Video

Unlocking the Equity In Your U.S. Home

Understanding Refinancing1,2 vs. HELOCs1

Watch Video

The Only U.S.-Based Bank Designed Specifically for Canadians

For over 16 years, RBC Bank has been helping Canadians make their U.S. home ownership dreams come true.

RBC Bank offers mortgages in all 50 states1,2. Refinances and HELOCs are available in every state but Texas.
Apply online or over the phone. Your Cross-Border Mortgage Advisor will guide you through the process. In most areas, you can even do your closing from Canada or with a Power of Attorney so you don't need to cross the border.
Our team of Cross-Border Mortgage Advisors understand the needs of Canadians, can translate the differences in the U.S. mortgage process and will help you determine which kind of loan is right for your needs.
You'll have access to a team of experts on all the considerations that come along with tapping your U.S. equity including taxes, foreign exchange advantages and ownership issues7.
No need for a U.S. credit history; we'll use your Canadian credit history to qualify you.

As a mortgage or HELOC client, you'll enjoy a free U.S. Premium Checking account that gives you:

  • Unlimited transactions
  • Unlimited cross-border transfers and instant exchange8 between your RBC Canadian and U.S. bank accounts - available 24/7 through online or mobile banking
  • Preferred foreign exchange rates
  • Easy access to pay your U.S. mortgage and U.S. bills


No Annual Fee U.S. Credit Card with Rewards9,10

Visa Signature Black

  • $0 annual fees10
  • Make transactions in U.S. dollars and save on foreign transaction fees11
  • Earn 1 RBC Rewards point for every $1 spent12
Full-Service U.S. Home-Buying Support - As a Canadian buying or refinancing a home in the U.S., you have some unique needs and probably lots of questions. RBC U.S. HomePlusTM Advantage is built to support you through every step of the U.S. home equity and home buying process. Home buyers can even receive a cash reward of up to $6,50013.

All loans and lines of credit are subject to approval.

Lender Equal Housing Lender. Member FDIC.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). RBC Bank – 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617.