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Mortgage

With a Tangerine Mortgage, you get one of the most competitive interest rates in the market. Whether you’re buying a new home or refinancing, you can be mortgage-free sooner with flexible prepayment options.
Interest rate
Terms 5 Year Fixed

Key Features

Great rate
Get a great rate up front guaranteed for 120 days. Plus, if our posted rates change during the 120 days, you automatically get the lower rate.
Dedicated support
Once you’ve applied, you get a personalized Mortgage Account Manager to help you every step of the way.
Flexible prepayment options
Each year you can make lump sum prepayments up to 25% of your original Mortgage amount, and increase your regular Mortgage payments by up to 25% of your original Mortgage payment. You can do this on any payment date.
Portable
If you happen to move, you can take your Mortgage with you penalty-free at your current rate, term and loan amount.

Current interest rates

Annual interest calculated semi-annually not in advance.
5 Year
Variable Mortgage
1 Year
Fixed Mortgage
2 Year
Fixed Mortgage
3 Year
Fixed Mortgage
4 Year
Fixed Mortgage
5 Year
Fixed Mortgage
7 Year
Fixed Mortgage
10 Year
Fixed Mortgage
Secure your rate
A Mortgage Rate Hold is a great way to secure a low rate for 30 days. All you have to do is sign up as a Client and set up a PIN – there’s no need to complete a full application.
If you choose one of our fixed rates, and submit the Mortgage application within 30 days, we’ll extend your Rate Hold period up to 120 days from the date of your original Rate Hold request. If your rate goes down and you’ve submitted an application, you’ll automatically get our lower rate.
If you choose the 5 year variable rate, you’re guaranteed the difference, or spread, between Tangerine Prime and our offered rate for 30 days. So if the spread goes up you're protected. Keep in mind, Tangerine Prime can change at any time.

Read about collateral charge mortgages.
When a house is mortgaged, it’s used as security for a loan. This security is registered with a land registry office and is commonly known as a “charge”. This charge gives the lender the legal right to claim the registered house if the loan is in default. There are two types of charges that can be registered by a lender; Conventional (or Standard) and Collateral. At Tangerine, our Mortgages are registered as a Collateral Charge.
How is a Collateral Charge at Tangerine different from Conventional Charge?

Collateral Charge Mortgage

Registered for 100% of the property value

The specific details of the mortgage loan are not included in the charge that is registered on title against your house. A separate credit agreement contains the specific terms of the mortgage loan, such as the amount, interest rate and payments.

Creates room for future borrowing up to the charge amount without incurring legal costs*

Option to add a Home Equity Line Of Credit under current charge without incurring legal costs*

Transferring to another lender would involve refinancing through a lawyer with legal costs

Conventional Charge Mortgage

Registered for the loan amount

The specific details of the mortgage loan such as the amount, interest rate and payments are included in the charge registered against your house.

Future borrowing would involve refinancing through a lawyer with legal costs

Adding a Home Equity Line Of Credit would involve refinancing through a lawyer with legal costs

Can be transferred to another lender without incurring legal costs if the other lender agrees

To learn more about mortgage security, visit the Canadian Bankers Association

*Subject to application approval under current Tangerine credit criteria.

 
Get started with Tangerine Get started with Tangerine Get started with Tangerine
Get started with Tangerine
Here are the steps:
  • 1
    Apply online
  • 2
    Once you’ve applied, you get a personalized Mortgage Account Manager to help you every step of the way.

Don’t think this Account is for you? Take a look at our other options.
Home Equity Line of Credit
Learn More
Chequing Account
Learn More
Check out these helpful articles
All Mortgage and Home Equity Line of Credit applications are subject to meeting Tangerine Bank’s standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Conditions may apply. Interest rates are provided for information purposes only and are subject to change at any time without notice. Variable interest rates will change as Tangerine Bank’s prime rate changes.