HSBC Mortgage

Mortgage your home, not your life.

Save with some of the lowest mortgage rates in Canada!

2.39% (2.42% APR)*

5 year variable closed term mortgage rate

3.34% (3.37% APR)*

5 year fixed closed term mortgage rate

Special offer

3.09% (3.12% APR)*

5 year fixed closed term mortgage rate
on a high ratio mortgage1

Book an appointment

For a limited time, get a cash bonus of $1000 on a new, eligible HSBC Mortgage.2

Our cash bonus offer applies to those purchasing a new property and taking a new Mortgage with HSBC, or moving an existing mortgage from another financial institution to HSBC Bank Canada.

You must apply for a mortgage between April 16, 2018 and September 30, 2018 and subsequently fund your approved mortgage no later than 90 days from the application date.

The funded Mortgage amount must be in the amount of $300,000 CAD or more with a closed term of five years.

From April 2 to July 31, 2018, take
advantage of our Prime (3.45%) + 0%
Home Equity Line of Credit offer.3

Enjoy the true meaning of home sweet home.

Call 1-866-609-4722

Call 1-866-609-4722

Hours of Operation, Mon-Fri, 6AM-6PM PST

Request a call back
Start pre-approval application4

Interest in other mortgage rates? We have you covered.

Expect more than just a great rate, we'll help you choose the right combination of rate and term to align with your lifestyle.

Rate APR

FIXED: 2 year Fixed Closed

3.09% 3.15%

FIXED: 5 year Fixed Closed

3.34% 3.37%

FIXED: 7 year Fixed Closed

3.59% 3.62%

VARIABLE: 5 year Variable** Closed

2.39% 2.42%

Special offers are only available for owner-occupied properties with an amortization of 25 years or less

TM Trademark of HSBC Bank Canada

Your use of this site, including this application, is subject to the Website Use Agreement which includes important terms about the security of the information you submit by this application. Your use of this site signifies your agreement to the HSBC Website Use Agreement. Your information is not stored on our systems if you do not submit this application. Whether or not you submit your application, your personal information can still be displayed by clicking the back button. For security, it is advised that you close your browser after using this site.

* The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming a property valuation fee of $250. APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and some non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same. This rate is only available for Residential (Conventional) and Equity Power Mortgages of owner-occupied properties with an amortization of 25 years or less.

** The variable rate is equal to HSBC Prime Rate - 1.06%. The rate will change as HSBC's Prime Rate changes. Rates are subject to change without notice.

1High Ratio Mortgage is when customer obtains a personal mortgage with mortgage default insurance with HSBC Canada.

2The promotional cash offer is available to new mortgages for residential home purchases and does not apply to refinancing their existing HSBC Mortgage, assuming or porting the terms of an existing mortgage with HSBC. HSBC will credit the $1,000 cash back to the Chequing or Savings Account, where mortgage payments are made from, within 5 days of funding the mortgage. Offer limited to one per eligible mortgage application. Subject to credit approval. For full terms and conditions click here.

3The HSBC Home Equity Line of Credit is accessed through an HSBC Chequing account. HSBC Chequing account service charges may apply. Applicable service charges can be found in the Personal Service Charges/Statement of Disclosure at The HSBC Home Equity Line of Credit is secured with a registered collateral mortgage against your principal residence. The available limit will depend on the value of your property and any prior charges or liens. An appraisal fee of up to $600 may apply. Offer is available to all new HSBC Home Equity Line of Credit applications that started from April 2, 2018 to July 31, 2018.

4Mortgage pre-approval is available for a maximum mortgage amount of $1,000,000 CAD and applies to Traditional (Residential) or Equity Power Secured mortgages. Funds can be used for the purchase, or refinance from another financial institution. Owner occupied principal residence only. Single or multiple home owner applicants are allowed. Applies to single family dwelling and condominium/strata units only (excluding leaseholds and cooperatives). Application may be sole or joint applications (spousal or non-spousal) with a maximum of 2 applicants.

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