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LIMITED TIME OFFER
Your idea of kome happens here

Get up to $5,700 in value when you switch to an RBC mortgageLegal Disclaimer footnote*

Offer expires December 31, 2025. Conditions apply.

LIMITED TIME OFFER
Your idea of kome happens here

Get up to $5,700 in value when you switch to an RBC mortgageLegal Disclaimer footnote*

Offer expires December 31, 2025. Conditions apply.

Flexible mortgage options designed for your life.

If you are considering switching your mortgage to a new lender, you are looking for homeownership solutions that will best meet your current and future needs. At RBC, our flexible terms and customizable payment options mean you can find a mortgage that can help meet your needs at every step of your life journey. We offer competitive mortgage rates and personalized advice.

>Your idea of home happens here

Up to $3,500 cash bonuslegal bug *

Boost your bank account with up to a $3,500 cash bonus. Because every dollar counts.

 
>Your idea of home happens here

Boost your bank account with up to a $3,500 cash bonus.

To get up to a $3,500 cash bonus, you’ll need to have or open an eligible RBC bank account, enrol in the Value Program at no cost to you, fund your mortgage by April 30, 2026, and make at least one mortgage payment from the same bank account by May 30, 2026.legal bug 1,legal bug 2

Eligible personal deposit accounts under this offer include:

RBC Private Banking Account, RBC Staff Banking, RBC VIP Banking, RBC Advantage Banking, RBC Advantage Banking for Students, RBC Signature No Limit Banking, RBC No Limit Banking, RBC Day to Day Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC Day to Day Savings, RBC Enhanced Savings, RBC High-Interest eSavings.

How to get this offer

Your idea of home happens here

55,000 Avion pointslegal bug *

With 55,000 Avion points, you can pay bills, shop your favourite merchants, or save even more—that’s up to $1,100 in value.legal bug 2

 
Your idea of home happens here

With 55,000 Avion points, you can pay some bills and leave more in your wallet—that’s up to $1,100 in value.legal bug 2

To get your 55,000 Avion points, have or open an eligible RBC bank account and enrol in the Value Program at no cost to you by April 30, 2026.legal bug 1,legal bug 2

As an Avion Rewards member, you can redeem Avion points for:

  • Interac transfers, credit cards, loans, lines of credit, mortgages and bill payments
  • Gift cards and merchandise from thousands of brands
  • Flights, hotel and car rentals
  • And more…

How to get this offer

When you transfer your mortgage to RBC, you can get up to $1,100 in covered switch fees!

PLUS, when you transfer your mortgage to RBC, you can get up to $1,100 in covered switch fees!legal bug 4 

Did you know there may be fees to switch your mortgage from another lender? At RBC, we cover up to $1,100 in switch fees on your eligible mortgage and help take care of the transfer process for you—so switching couldn’t be easier.

 
When you transfer your mortgage to RBC, you can get up to $1,100 in covered switch fees!

PLUS, when you transfer your mortgage to RBC, you can get up to $1,100 in covered switch fees!legal bug 4 

Did you know there may be fees to switch your mortgage from another lender? At RBC, we cover up to $1,100 in switch fees on your eligible mortgage and help take care of the transfer process for you—so switching couldn’t be easier.

We’ll help you cover: 

  • Up to $300 in your previous lender’s processing fees, based on a current home evaluation
  • Up to $300 in discharge fees charged by your previous lender
  • Up to $500 in title insurance fees

These are typical fees paid for most switches. If you switch before your term expires you may incur additional prepayment fees charged by your previous lender.

How It Works

Eligible Mortgage Mass Offer Table
Value of the Eligible Mortgage Cash Deposited in Your RBC Bank Accountlegal bug 1
$100,000 - $299,999.99 $500
$300,000 - $499,999.99 $1,000
$500,000 - $749,999.99 $1,500
$750,000 - $999,999.99 $3,000
$1,000,000+ $3,500

Don’t forget! You get 55,000 Avion points.Disclaimer2

(A value up to $1,100)

Don’t forget! You get 55,000 Avion points.Disclaimer2

(A value up to $1,100)


How to Get this Offer

Step 1
Apply for an eligible RBC mortgage by December 31, 2025.Disclaimer1
Step 2

Complete the following by April 30, 2026:Disclaimer2

  • Fund your mortgage.
  • Have or open an eligible RBC bank account and enrol in the RBC Value Program.

Step 3
Make a mortgage payment from an eligible RBC bank account by May 30, 2026.
We’ll deposit the cash bonus directly into your bank account and the points into your Avion points account.Disclaimer1,Disclaimer2



A new mortgage brings new possibilities – and that’s worth protecting

Whether you’re switching your mortgage or buying a new home, RBC HomeProtector Insurance can help pay off or reduce your outstanding insured RBC Royal Bank mortgage balance against future what-ifs.

Take advantage of this exclusive offer: a one-time claim free bonus of up to $300. Offer ends November 30, 2025.Disclaimer5

RBC Home Protector Insurance - One-time claim free bonus amount

Claim free bonus type

Number of coverages approved by Canada Life under insured mortgage**

If your insured mortgage balance is between:

$100,000 and $299,999.99

$300,000 and $499,999.99

$500,000 or more

Core claim free bonus

One coverage

$100

$150

$200

Max claim free bonus

Two or more coverages

$200

$250

$300

**
Insurance coverages applicable are life insurance, critical illness insurance and disability insurance on the borrower and co-borrowers of the mortgage. If the borrower and co-borrower are approved for life insurance, that would count as two coverages. Terms and conditions apply. Please see the claims free bonus Terms & Conditions below for full details.

Speak With an RBC Mortgage Specialist to Get Started

Get personalized advice about your mortgage – in person, by phone, or by video.

Offer expires December 31, 2025.