Our Mortgages.

Save More. Worry Less.

Find out what we can do for you.
  • Personalized Service
  • Competitive Rates
  • Flexible Terms

We provide mortgages through RFA Bank of Canada & RFA Mortgage Corporation. Whether it's your first home, next home, or investment property—we'll help find the right mortgage for you.

Connect with a broker today to get started.

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.

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

Enter your postal code to get started.

Have questions? We’re here to help.

Benefits of Our Mortgages.

Manage Your Mortgage

Our mortgage portal connects you to your mortgage anytime, anywhere, so you can:

  • Check your mortgage balance
  • Review your payment details
  • Change your payment frequency
  • Increase your payments
  • Make a lump-sum payment
  • Update your personal information

Prepayment Privileges

Looking to save on interest costs? Pay down your mortgage faster with our prepayment privileges:

  • Annual 20% lump sum: Every year you can pay up to 20% of your original mortgage balance on any regular payment date with the payment applied directly to your principal balance.
  • Annual 20% payment increase: Once per year you can increase your regular payment by up to 20%. The increased payment will be applied to your principal balance.

The terms and conditions of your mortgage will specifically detail the privileges provided.

Accelerate Your Payments

Looking to save even more? Making more frequent payments can reduce interest costs over the long term.

Contact us to find out how!

Talk to Us.

Let us quickly & effectively address any questions you may have.

Info.

1.833.228.5697
1.833.228.6312
Mortgage Servicing Centre, 451 Phillip St, Suite 100, Waterloo, ON, N2L 3X2
Monday to Friday | 8:30am - 5:00pm

We will not initiate a request for personal or confidential account information electronically. However, if you initiate a request electronically, we may ask for information to authenticate you.

Join Our Inner Circle.

Stay up to date with our latest news.

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.

FSRA #12980