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Mortgage

We’re all about keeping things simple, including Mortgages. So don’t stress over the numbers and calculations – we’ll walk you through it all.
 

Whether you’re buying a new home or refinancing, we’re here to work with you and can get you to Mortgage freedom faster.  

5 Year

Term

[[MRTG.RATE.5_YEAR]]†

Fixed interest rate

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

APR 

Apply Now
Apply Now

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.

Great rate

Get a great rate up front guaranteed for 120 days.

Portable

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

Dedicated Mortgage Specialist

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

Flexible lump sum prepayments

Flexible lump sum prepayments

Each year you can make lump sum prepayments up to 25% of your original Mortgage amount. 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.

5 Year Variable Mortgage[[MRTG.RATE.5_YEAR_VAR]]
1 Year Fixed Mortgage[[MRTG.RATE.1_YEAR]]
2 Year Fixed Mortgage[[MRTG.RATE.2_YEAR]]
3 Year Fixed Mortgage[[MRTG.RATE.3_YEAR]]
4 Year Fixed Mortgage[[MRTG.RATE.4_YEAR]]
5 Year Fixed Mortgage[[MRTG.RATE.5_YEAR]]
7 Year Fixed Mortgage[[MRTG.RATE.7_YEAR]]
10 Year Fixed Mortgage[[MRTG.RATE.10_YEAR]]

Secure a rate, hassle free

A Mortgage Rate Hold is a great way to secure your rate for 120 days. If you are new to Tangerine, 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’re an existing Client, proceed to Secure Your Rate.

Secure Rate
Secure 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

Join with our 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

100,000+ Reviews4

Signing up on Web is cool too!

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.

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.

† The Annual Percentage Rate (APR) is compounded semi-annually, not in advance. The APR calculation is based on a Mortgage of $350,000 with a 25 year amortization, an appraisal fee of $250 and a funding processing fee of $280. Actual appraisal fee and funding processing fee may vary. APR calculation on a variable rate is based on the posted rate but may change as Tangerine Prime changes. “Prime Rate” is the prime lending rate published from time to time by Tangerine and is subject to change without notice. See https://www.tangerine.ca/en/rates for Tangerine's current Prime Rate.

3 Some conditions may apply. Service is subject to availability and successful digital verification.

4 As of May 21, 2025 there were 44.7K reviews with an average rating of 4.5 from the Google Play Store and 72.5K reviews with an average rating of 4.8 from the App Store.

® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.

™ Google Play is a trademark of Google LLC.