Four easy steps to become a Power Buyer® — the easiest way to get a home loan.

Get pre-approved

• Use our fully electronic process to know exactly how much home you can afford based on your real credit score and the home loans available. Or Call us directly.
  
  With our exclusive selection of mortgage options, you can:
• Get pre-approved before you shop
• Lower mortgage payments
• Low down payment options
• Low or No Cash closing options

Find your agent, find your home

A real estate agent can be a valuable asset in finding just the right home. Whether you are already working with someone, or want a referral from our partner, we're here to help.

Get your mortgage

Once you find a home, simply contact your Mortgage Agent to complete the Power Buyer process. Our streamlined mortgage application process and unmatched customer service make this the easiest step. Most of the work is already done!

The Fixed-Rate Mortgage or Variable_Rate Mortgage?

You have a lot to choose from when it comes to a MortgageClub.ca home loan options. Know the differences before you make any final decisions.

Does a fixed rate work best for you? Perhaps a variable rate mortgage fits your plans the best and get you the lowest mortgage rate and payment. Get the best mortgage custom fit for you from MortgageClub.ca. Our Mortgage Experts will help you to find out which home loan programs fit you best.

Smart Choice® Interest-Only Mortgage

Our exclusive Smart Choice Interest-Only home loan gives you month-to-month payment flexibility. Each month, you choose to pay only the interest or interest plus as much principal as you like. That means your monthly payment could be lower than a traditional fixed-rate mortgage!

Move in

The closing is just the beginning of your relationship with MortgageClub.ca! Become a member of our exclusive online community, MortgageClub.ca, and access special discounts, as well as rewards and at-your-fingertip tools for homeowners. Plus, our Loan Tracker technology alerts your Mortgage Agent to anything that could improve your mortgage situation.