From dream to home with 2.49%*.

You can dream of owning a home. Or you can own your dream home.

At President’s Choice Financial®, we can offer you great rates and experienced mortgage specialists ready to give you the kind of advice you’re looking for. They can walk you through every step, from pre-approval to final approval, and offer you flexible repayment options to help pay off your mortgage faster. Plus, all of our fixed rate mortgages come with a 120-day rate guarantee2.

Here’s one last piece of good news: if you apply for a mortgage by October 31, 2016, you could get $5003 cash deposited into your PC Financial® account. Did someone say housewarming?

Let’s move you into your dream home.

To get started, call us today at
1 866 747 8127.

*Annual Percentage Rate (APR) is based on a new $400,000 mortgage for the applicable term and a 25-year amortization at a rate of 2.47%, assuming a Property Valuation Fee of $250. Closed mortgages only. Rates shown for the applicable term are the PC Financial special discounted rates and are not posted rates of PC Financial. Offer may be changed, withdrawn or extended at any time, without notice. APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same. Rate subject to change without notice. Offer cannot be combined with other offers and is not available on variable rate, basic or cashback fixed rate mortgages, existing PC Financial mortgages or mortgage renewals.

1Minimum principal amount for a President’s Choice Financial mortgage is $35,000. Mortgages are subject to credit approval. Not available in Quebec. Conditions and restrictions apply; ask for details.

2120 day rate guarantee available upon mortgage pre-approval or approval. Not available for variable rate mortgage. 60 day rate guarantee is offered when refinancing an existing PCF mortgage. Subject to change without notice.

3500 Cash Reward offer for a New PC Financial® Mortgage with other products and services (July 1, 2016 – October 31, 2016)

The President’s Choice Financial® $500 Cash Reward offer (the “Offer”) is available to all Eligible mortgages with applications started between July 1, 2016 and October 31, 2016 (the “Offer Period”). “Eligible” means a President’s Choice Financial Mortgage that has an application started during the Offer Period and adheres to the terms below.

  1. To participate in the Offer, primary borrower and any co-borrower(s) to Eligible mortgage must submit a mortgage application during the Offer Period by calling 1 866 674 5608 visiting an in-store President’s Choice Financial pavilion or hub to speak with a customer service representative or by applying through online banking.
  2. This offer is open to primary borrower and any co-borrower(s) of any new PC Financial Mortgage only. Mortgage amount must be funded/advanced on or before January 31, 2017 and must be $125,000 or more. Primary borrower or any co-borrower of mortgage must also: (i) have or open a PC Financial No Fee Bank Account (Chequing Account), (ii) be enrolled in a payroll direct deposit into any of their PC Financial No Fee Bank Accounts (Chequing Accounts), or have /setup one (1) pre-authorized debit from their PC Financial No Fee Bank Account (Chequing Account), (iii) have or open a PC Financial Interest PlusTM Savings Account and (iv) have or open a registered PC Financial savings account (Interest PlusTM RRSP or Tax-Free Interest PlusTM Savings Account) (the accounts listed above in section 2 (i), (iii) and (iv) the “Accounts”).
  3. Mortgage application must be started during the Offer Period and funded/advanced by January 31, 2017. The purpose of the mortgage must be to purchase a home, refinance a non-PC Financial mortgage or switch/transfer-in your mortgage to PC Financial.
  4. To qualify, the accounts listed above in section 2 (i), (iii) and (iv) have to be open and in good standing as of January 31, 2017 and remain so until the $500 cash reward is deposited in February 2017. Accounts held by primary borrower and/or co-borrowers of the mortgage are eligible. There must be at least one recurring payroll direct deposit made into the primary borrower’s or a co-borrower’s PC Financial No Fee Bank Account in the month of January 2017.
  5. $500 cash reward will be deposited into the PC Financial No Fee Bank Account in February 2017. If one or more chequing accounts are eligible Accounts, $500 will be credited into one PC Financial No Fee Bank Account that was used in qualification. Order of priority for which PC Financial No Fee Bank Account will receive cash reward is: (i) Primary Borrower, (ii) first co-borrower, (iii) second co-borrower and so on.
  6. The recipient of the award is solely responsible for any tax consequences associated with their receipt of the cash.
  7. All of the Accounts must be open and in good standing at the time the cash amount is awarded.
  8. Offer and cash reward are non-transferable. Limit one $500 cash reward per mortgage, per client.
  9. If the mortgage you choose includes PC points, you will earn those points in addition to this Offer. Offer cannot be combined with other promotional offers. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by the provider of President’s Choice Financial personal banking services (the direct banking division of CIBC), in its sole discretion. Offer may be withdrawn or changed without notice at any time.
  10. Other terms and conditions for PC Financial Mortgage, PC Financial No Fee Bank Account, PC Financial Interest PlusTM Savings Account, PC Financial Interest PlusTM RRSP and PC Financial Tax-Free Interest PlusTM Savings Account may apply.

®PC, President’s Choice, PC Financial, President’s Choice Financial and Interest Plus are trademarks of Loblaws Inc. Trademarks used under licence.