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RBC U.S. HomePlusTM Advantage

Get your very own slice of paradise

We can help! RBC U.S. HomePlusTM Advantage is built exclusively for Canadians to provide full-service support through every step of the U.S. homebuying process. Plus, we don’t charge bank fees on U.S. mortgages, which could save you up to $4,500 USD in closing costs.Disclaimer42

Get instant access to U.S. homebuying advice

Yes, send me:

  • A free guide to buying a U.S. home
  • A series of U.S. homebuying webinars from our chief economist and experts in financing, tax and legal and insurance

A team of experts to guide you every step of the way

As a Canadian buying a home in the U.S., you have some unique needs and lots of questions. Take the guesswork out of the equation and let us be your guide.

Search U.S. listings

Find your U.S. dream home

Homes are generally more affordable in the U.S. than in Canada, so dream big.

U.S. property listings are updated every 15 minutes, so you'll never miss a new listing.

This linked website is not owned or operated by RBC Bank, and RBC Bank is not responsible for its website, privacy policies, or practices.

Mortgage advisors

RBC Cross-Border Mortgage Advisors

The U.S. mortgageDisclaimer8 process is different than in Canada. Our cross-border mortgage advisors are with you every step of the way. Plus, many banks charge up to six mortgage fees when you close on a U.S. home. At RBC Bank, we don’t, saving you up to $4,500 USD in closing costs.Disclaimer42

Get Pre-Approved

Shop with confidence. Know what you can afford. Pre-approvals are good for 120 days.

U.S. real estate agents

Earn cash back when you buy or sell a U.S. home

Need a real estate agent? Work with an RBC U.S. HomePlusTM Rewards participating agent and you can receive a cash reward of up to $9,500.Disclaimer38, Disclaimer39 They’re experts in helping Canadians buy U.S. property.

Talk To An Agent Today (Opens in new window)

Home insurance

Compare and buy U.S. home insurance online

Getting home insurance as a Canadian in the U.S. can be challenging. As you move through the mortgage process with RBC, you’ll have online access to a marketplace with 40+ insurance carriers to provide you with multiple quotes.

Get Quotes

Use your U.S. equity

Already own a home in the U.S.? Put your equity to work.

Borrow the amount that you need — up to 80% of your home's value — and preserve the credit you have available in Canada.

Save thousands on closing costs with a no-fee HELOCDisclaimer31 or refinance your property with $0 underwriting fees.Disclaimer28 Offer available until April 30, 2025.

Get Started

Mortgage tools and resources

Choose the rate & termDisclaimer8, Disclaimer25 that’s right for you

Rates starting at:

Choose between 3-, 5-, 7- or 10-year fixed terms.Disclaimer25 All loans are amortized over 30 years to keep your monthly payments lows with free renewals when your term expires.

Personalize Your Rate

Mortgage payment calculator

Estimate your monthly mortgage payment, including taxes and insurance.

Play With The Numbers

Cash vs. financing calculator

See how financing saves you thousands of dollars in one-time, upfront foreign exchange costs.

Explore The Cost Of Financing

Why Canadians love our U.S. mortgagesDisclaimer8

  • Get approved to buy in all 50 states with your Canadian credit history
  • Save up to $4,500 USD in closing costsDisclaimer42 when we don’t charge you bank fees
  • Reduce the upfront impact of foreign exchange (FX) costs with a 20% down payment plus closing costs
  • Make penalty-free, lump sum payments any time without restrictions

Get Pre-Approved