Why Canadians Love Our Mortgage Solutions

We’re experts in helping Canadians buy property in the U.S. and will guide you every step of the way.

U.S. Mortgage8 Financing Options

Fixed Rate Mortgages

Become a Homeowner in the U.S.! Fixed rate mortgages are ideal if you want to buy property in the U.S.
You Can Choose a Term That Works For You Choose a fixed 3-, 5- or 7-year mortgage term25
Save Money on Home Ownership Financing your home lets you spread the foreign exchange costs out over time
Keep Your Monthly Costs Down Because your mortgage payment is based on a 30-year term, your monthly payments are kept as low as possible
You Have Options at the End of Your Term You can:
  • 1)

    Pay off your loan

  • 2)

    Renew your mortgage into a new fixed-rate term loan

  • 3)

    Move to a variable rate mortgage, which means your rate and payment can adjust annually up or down

Already Have a Purchase Agreement on a U.S. Home?

Mortgage Refinancing27

Take Advantage of the Market! Refinancing makes sense if you have equity built up in a U.S. home—for instance if you own a home outright or have a mortgage on a property that has increased in value
Unlock Your Equity Borrow up to 80% of the equity in your home through a new mortgage
Reach Your Goals, Improve Cash Flow Refinancing with RBC Bank lets you:
  • Take cash out of your home to make home improvements, pay off debt in Canada or cover U.S. expenses
  • Benefit from the increased value and the exchange rate
  • Simplify your U.S. banking, by working with a bank that understands Canadians

Home Equity Line of Credit30

A Smart Credit Option for Homeowners HELOCs offer low-cost borrowing for homeowners, offering great payment flexibility.
Unlock Your Equity
  • Borrow up to 80% of the equity in your home at a variable rate over a 10-year period
  • If your home has increased in value, you may qualify for a second HELOC on your property, allowing you to access even more of your equity
  • Make interest-only payments
Save Money on Your Borrowing
  • Get easy, low-cost access to U.S. funds
  • Avoid currency exchange
  • Improve your U.S. cash flow and easily manage your U.S. expenses
  • Preserve the credit you have available in Canada
Spread Repayment Over the Long-term
  • Pay off your line of credit over a 20-year period
Call to apply: 1-866-283-5928

Keep an Eye on the Market!

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Get Pre-qualified Now

Know what you can afford before you start shopping.

Let Us Be Your Guide

We share a border, a language and a love of sports. But our mortgage processes have some differences.

Discover the Differences

Knowing what they are in advance can make for a smoother home buying journey.

See How We Can Help

Are you getting close to purchasing a home? We'll help you navigate the process from start to finish.

Common Questions

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