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Mortgage your home, not your life™

Special offer rate of 1.64% APR*** on a 5-year fixed closed term high ratio mortgage1.

Mortgage solutions for the world you live in

Home is how you define it. It can be a place where you put down roots, a base camp for life’s adventures or the start of a legacy that can grow for generations. How you finance your home can have an effect on your lifestyle, your saving and spending habits, and your wealth building potential.

We’re here to help you get it right. Our Mortgage Specialists can help you integrate your home mortgages into life’s bigger picture, so that you can enjoy the freedom and flexibility you need to realize all of your dreams.

Save with some of Canada’s lowest mortgage rates!

Five year variable** closed

1.79% (1.82% APR)*

Five year fixed closed

1.89% (1.92% APR)*

How can we help today?

Tell us what you’re looking for and we’ll get you on your way.

How to apply

Start pre-approval application

Need to talk?

Call: 1-866-609-4722

Lines are open Mon-Fri from 6am-6pm PT

Mortgage tools and resources

 

Beyond the bricks

 

Explore your options with our mortgage calculator tools and get to know HSBC.

Do you have Mortgage Life and Disability coverage? 

Creditor Insurance helps protect your loved ones if the unexpected happens.

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Rates are subject to change without notice.

The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming an appraisal fee of $300. APR 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 personal mortgages, except Smart Savers mortgages. A higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. Applications are subject to credit approval.

** The variable rate is equal to HSBC Prime Rate -0.66%. The rate will change as HSBC's Prime Rate changes.  Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch. Mortgage Rates above are applicable to First Mortgages only. Some restrictions apply.

*** The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term with the appraisal fee of $300 waived. APR 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.

1 A High Ratio Mortgage is a personal mortgage with a down payment of less than 20% of the purchase price. Applications are subject to credit approval. Rate displayed includes a 0.25% discount off our Special Offer rate and is only available for high ratio residential mortgages. A higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. HSBC High Ratio Mortgage Rate Offer Terms and Conditions.

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