Flexibility to Fit Your Life
Segment your mortgage into different terms and rates—all under one mortgage. This lets you tailor parts of your mortgage to your short-term and long-term goals.

Easy, Ongoing Access to Equity
As you pay down your mortgage and your home’s value grows, you can re-borrow from your available equity—without the need for extra legal fees. Perfect for home upgrades, education costs, or other big plans.

One-Time Setup. Endless Possibilities
With a single registration at the start, you can manage multiple loan options (like a line of credit, renovation loan, or other borrowing needs) all under one mortgage—making it simple and convenient for the future.

Renew Early
Renew your mortgage up to 60 days before maturity—without penalty.

Lock In Your Rate
Secure your interest rate up to 60 days in advance.*

Flexible Amortization
Choose an affordable amortization period—up to 30 years.

Prepay Up to 30%
Make additional payments of up to 30% of your original mortgage balance each year, whenever it works for you.

Skip a Payment
Life happens—enjoy the flexibility to skip one mortgage payment every year.

Increase Monthly Payments
Pay down your mortgage faster by doubling your monthly payments.