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A Mortgage Specialist Can Help

Whether you’re ready to buy a home or just starting to save for a down payment, an RBC mortgage specialistAnother RBC site can help you make the right decisions. Your specialist can:

  • Offer advice on saving for your down payment
  • Help you complete your mortgage pre-approval
  • Explain Canada’s home-buying and mortgage process
  • Explain your financing options and help you save money
  • Refer you to a realtor to help you find a home
  • Meet with you at your home, office or local RBC branch

The RBC Newcomer Advantage

Get what you need for a great financial start in Canada. Discover products and services that can help you settle in faster. Plus, get up to a $15,000 credit limit on a new RBC credit card9.

Why Newcomers Love Our Mortgages

For many newcomers, buying a home in Canada is an important step towards feeling settled. Whether it’s competitive financing or advice to help you find the perfect neighbourhood, we can help make your home ownership dreams come true.

  • No Canadian credit history required5

    You may be able to qualify for a mortgage with little to no credit history.

  • Fast, easy approvals and solutions for newcomers

    Our newcomer solutions simplify the process of buying a home in a different country.

  • Competitive rates and a 120-day rate guarantee6

    We honour quoted rates for 120 days. If rates go down, you get the lowest rate available.

  • Take up to 30 years to repay your mortgage37

    If you have a down payment of at least 20%, you can take up to 30 years to repay your loan.

Are you eligible to buy a property in Canada?

Effective January 1, 2023, the Government of Canada will be placing certain restrictions on the purchase of residential property in Canada by non-Canadians. We recommend you speak with a lawyer/ notary to confirm whether you’re eligible to buy a residential property in Canada before you start your home search.

View Government Regulations (opens to external site)

How to Apply for an RBC Mortgage

Talk to an RBC mortgage specialist today to discover how we can help make your home ownership dreams a reality.

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