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Mortgage

We’re all about keeping things simple, including Mortgages. From forms to the numbers, we’ll walk you through it all, because whatever your goals are, we’re here to help.

We’re all about keeping things simple, including Mortgages. From forms to the numbers, we’ll walk you through it all, because whatever your goals are, we’re here to help.

5 Year

Term

[[MRTG.RATE.5_YEAR]]

Fixed interest rate

[[MRTG.RATE.5_YEAR.APR]]

APR 

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Special Offer

Already a Client?

You may be eligible for a preferred Mortgage rate**. Log in to see your competitive options.

5 Year

Term

4.49%

Fixed interest rate

4.53%

APR 

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Tangerine Mortgage benefits you’ll love

Dedicated Mortgage Specialist

Once you’ve applied, you’ll get a dedicated Mortgage Specialist to help you every step of the way.

Great rate

Get a preferred rate guaranteed for 120 days from the time you apply or submit a rate hold2.

Portability 

If you happen to move, you can take your Mortgage with you at your current rate, term and Loan amount.

Flexible lump sum prepayments

Flexible lump sum prepayments

Each year you can make lump sum prepayments up to 25% of your original Mortgage amount without penalty. Increase your regular Mortgage payments by up to 25% of your original Mortgage payment. You can do this on any payment date.

Current interest rates

Annual interest calculated semi-annually not in advance and Clients enjoy a preferred rate**.

Already a Client? You may be eligible for a preferred Mortgage rate. Log in to see your competitive options.

5 Year Variable Mortgage4.00%
1 Year Fixed Mortgage5.99%
2 Year Fixed Mortgage5.14%
3 Year Fixed Mortgage4.44%
4 Year Fixed Mortgage4.49%
5 Year Fixed Mortgage4.49%
7 Year Fixed Mortgage5.50%
10 Year Fixed Mortgage5.90%
5 Year Variable Mortgage3.80%
1 Year Fixed Mortgage5.59%
2 Year Fixed Mortgage4.05%
3 Year Fixed Mortgage3.99%
4 Year Fixed Mortgage4.19%
5 Year Fixed Mortgage4.19%
7 Year Fixed Mortgage4.64%
10 Year Fixed Mortgage4.84%

Secure a preferred mortgage rate, hassle free

A Mortgage Rate Hold is a great way to secure your rate for 120 days2. If you are new to Tangerine, all you have to do is sign up as a Client and set up a password – there’s no need to complete a full application. If you’re an existing Client, proceed to Secure Your Rate.

Secure a rate, hassle free

Mortgage Account Life Insurance

Tangerine Mortgage Account Life Insurance is optional. Read the Mortgage Distribution Guide and go to the Mortgage Account Life Insurance Application to apply. 

Secure a rate, hassle free
Note

Willful

Planning for the future? Willful makes it simple to take care of your will — and Tangerine Clients get a special offer.

Join with our Mobile Banking app

Become a Client completely digitally with our Mobile Banking app3. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

Don’t have our Mobile Banking app3 yet? Download it today, so you can bank easily from anywhere.

4.6

4 and a half stars

100,000+ Reviews4

Take a look at our other products

Your money should work as hard as you do

Experience no-fee daily Chequing with Visa* Debit and earn interest on every dollar in your Account††

Tap into the equity you’ve built in your home

Borrow at a low interest rate with a Tangerine Home Equity Line of Credit using the equity you’ve built in your home.

Sticky Notes

FAQs

Got questions? We’ve got answers.

Whether you are buying your first home or your next, refinancing or switching your mortgage to Tangerine, we’ve got solutions designed around what you need. To get started call 1-888-826-4374 talk to a Mortgage Specialist.

We offer a simple and straightforward closed mortgage product that comes in both fixed and variable rate options. You can choose from terms of 1 to 5 years, as well as 7- and 10-year terms, giving you flexibility to suit your needs. With this simple product, Tangerine ensures you don’t have to sacrifice important features to get a great mortgage solution.

Start by using the “How Much Can I Borrow?” calculator to estimate your borrowing power. Once you’re ready, call 1-888-826-4374 to speak directly with a Tangerine Mortgage Specialist who can guide you through the pre-approval process.

Yes, we offer a 120-day rate guarantee3.

The approval process depends on how quickly the required documents are submitted and reviewed. In some cases, this can be completed in as little as 1–2 business days. However, clients should allow a minimum of 15 business days from the time the application is submitted to when the mortgage is funded.

Refinancing means unlocking your home equity so you can borrow extra funds to use for renovations, debt consolidation, or future plans.

Yes there are typically penalties when moving a mortgage to Tangerine from another lender. From time to time we may offer a switch bonus that can  help cover some of the transition costs as well as other options to assist you in the process. Speak to a Tangerine Mortgage Specialist for more info. 

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.