A mortgage made for you.

We work with a network of expert mortgage brokers to create a personalized experience from start to finish.

Check out our mortgage products.

Self Employed

Achieve your dream of homeownership—start the journey of finding a home that fits your lifestyle and financial goals.

Refinance

Life changes and so do your mortgage needs. Discover how refinancing can benefit you—from lower rates, to changing terms.

Micro Condo

Micro condos can be a great option for homebuyers seeking space in their city’s core. Click to see square footage requirements.

First Timers

Buying your first home can feel overwhelming— it doesn’t have to be. We can help you buy with confidence.

Frontline

We offer an exclusive discounted rate and up to $2,000 cashback* for Frontline workers. Click to find out if you qualify.

Credit Restore

Having trouble qualifying for a traditional mortgage? Life happens, Alternative mortgages can help. Click to learn about your options.

New to Canada

Are you new to Canada? Discover our mortgage options tailored to residents with limited time in Canada & Canadian credit history.

Purchase Plus

Love the house but not the kitchen? Find out how you can turn your dream home into a reality by rolling renovation costs into your mortgage.

Rentals

Ready to invest in a rental property? Explore the benefits and learn how to qualify for an investment property mortgage.

Transfer

Why pay more with your existing lender when you could save? Find out how you can take advantage of our full-featured mortgages with great low rates.

Second Home

Looking to buy a vacation home or a second property for a family member? Find out how to finance your secondary property with ease.

Renewal

Is your mortgage up for renewal? Explore your options for customizing your mortgage term to suit your lifestyle.

Mortgage Resources.

Here are some helpful resources to support your mortgage & homebuying journey.

Simple, clear and no surprises

Enjoy low mortgage rates and top service with no hidden fees or terms.

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Connect.

It doesn’t matter where you are in the mortgage or homebuying process. A broker can help with your questions, advise on mortgage rates and products, and start your application.

Find a mortgage broker near you

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Have questions? We’re here to help.

Frequently asked questions

Learn more about us.

About our mortgages

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With original terms to maturity of five years or less, our investment products and programs offer great flexibility giving advisors the competitive edge that is so important in today’s marketplace. RFA Bank of Canada is a proud member of the Canadian Deposit Insurance Corporation (CDIC) which works to protect consumer investments.

We offer a full range of GICs including non-registered, registered and commercial all available through Nominee/Self Directed dealer platforms.

Cashable GIC

A Cashable GIC or Term Deposit can be a smart investment for short and long-term goals. With a guaranteed rate of return, these types of GICs allow for the saving of a major purchase, life costs or retirement. Plus, the funds can be easily accessed—we offer a 1 year Cashable GIC, redeemable after 90 days. After the closed period, the GIC can be cashed out at any time without penalty, making this a liquid investment.

Non-Redeemable GIC

Non-Redeemable GICs offer a fixed rate of return for a specific term, with both principal and interest guaranteed.

This GIC may be an appropriate choice for:

  • Investing for a specific term at a guaranteed rate without risk.
  • A wide variety of investment terms and interest payment frequencies.
  • Minimizing the impact of interest rate swings and tailoring investments to personal needs.

We offer non-redeemable GICs which can be cashed out depending on the 1 to 5 year term conditions.

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RFA is a full service bank 
& mortgage lender. We're continually finding better ways to serve Canadians.

RFA Bank is a member of Canadian Deposit Insurance Corporation (CDIC). We offer Guaranteed Investment Certificates through a national network of Investment Industry Regulatory Organization of Canada (IIROC) regulated deposit dealers.

The maximum insurance protection for CDIC eligible GICs is to applicable limits.

Copyright © 2019 RFA Holding Corporation Inc.

All rights reserved.

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