Credit Restore.

Life Happens...

Alternative mortgages can help. 

We have options for borrowers who have experienced financial difficulties and are having trouble qualifying for a traditional mortgage.

Reach out to a mortgage broker to learn more about our offerings.

Mortgage Resources.

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

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!

Join Our Inner Circle.

Stay up to date with our latest news.

RFA’s residential mortgage lending business is operated by RFA Bank of Canada, a federally regulated Schedule I Bank, and RFA Mortgage Corporation. We’re committed to continuously evolving to better serve Canadians.

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

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

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All rights reserved.

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