Why Canadians love Our U.S. Mortgage Solutions

  • We’re experts in helping Canadians buy property in the U.S. and
    will guide you every step of the way.
  • We’ll use your Canadian credit history when reviewing your
    mortgage application. We’ll also look at your RBC relationship.
  • We offer financing in all 50 states.
  • Our mortgages come with no payment restrictions – so
    you can make penalty-free, lump-sum payments anytime.

Check Rates

U.S. Mortgage8 Financing Options


Save with $0 origination fee on new mortgages28. That's savings of $825 USD (or over $1,000 CAD). Apply by June 30, 2019.
Become a Homeowner in the U.S.! Our mortgages combine the best feature of U.S. and Canadian home loans.
You Can Choose a Term That Works For You Choose a 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 at no charge

  • 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?

Call 1-866-283-5928Call 1-866-283-5928



Mortgage Refinancing27

Save with $0 origination fee on new mortgages28. That's savings of $825 USD (or over $1,000 CAD). Apply by June 30, 2019.
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

Save thousands on closing costs with a new No-Fee HELOC31.
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
  • No minimum balance, utilization or minimum draw requirements
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 1-866-283-5928

Keep an Eye on the Market!

Have rates e-mailed to you on a regular basis, or when they reach the rate you're waiting for.

Calculate Your U.S. Mortgage Payment

Tell us about the home you're looking at
Please tell us the state in which you’re looking to purchase a property. It helps us better estimate your mortgage payments.

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.

Now is a Great Time to (Re) Finance in the U.S.

With interest rates still low and the Canadian dollar below par, financing your U.S. home purchase or re-financing your current property makes great sense right now. Our infographic shows you why.