Your rate is secure for the entire term, giving you predictable payments no
matter the market.
Neo Mortgage
Seamless mortgage solutions, tailored to you.
Getting a mortgage has never been simpler. With Neo Mortgage, get your best rate, fast turnaround, and expert support.
Mortgage solutions, your way
We're using technology to transform the traditional mortgage experience, making it more affordable, efficient, and accessible.
Competitive rates
Your money has better things to do than pay interest. Get your best rate with Neo Mortgage—saving you more in the long run.
Quick application
Skip the paperwork. With Neo in your pocket, you can apply for a mortgage online and get pre-qualified in minutes.
Dedicated support
Advice that feels close to home. Our team of expert Mortgage Advisors is here to support you every step of the way.
Better rates, bigger savings
No surprises, no hidden fees, and no obligations—just straightforward savings.
5-year fixed rate (closed)¹
Fixed Mortgage Rate
3.99%
5-year fixed rate (closed)²
Adjustable Mortgage Rate
3.85%
Your payments adjust as the Bank of Canada’s prime interest rate changes.
Looking for other terms?
Browse the full range of terms to find the one that fits.
6-month fixed
3.84%
1-year fixed
6.24%
2-year fixed
5.29%
3-year fixed
4.24%
4-year fixed
4.24%
Term
Rate
6-month fixed
3.84%
1-year fixed
6.24%
2-year fixed
5.29%
3-year fixed
4.24%
4-year fixed
4.24%
Your journey starts here
Explore your best rates online in seconds.
Apply online through our secure digital platform
Receive personalized guidance from your dedicated Mortgage Advisor online or over the phone
Securely submit documents from wherever you are
Whether you want to purchase or renew, we have a rate for you
Home purchase
Buy your dream home with flexible terms and as little as 5% down³.
Renewal or switch
Lock in your renewal or transfer your mortgage anytime, anywhere with our digital process.
Got questions?
We can answer them.
Get pre-qualified with Neo
Apply online today to get your rate in minutes.