Renewing your RBC Mortgage?
Whether you are renewing now or in the future, give us a call at 1-800-769-2511. 24 hours a day, 7 days a week. We can help you tailor a mortgage solution based on your financial needs, and offer advice on the options available to you at renewal time, such as:
Calculate your Mortgage Payments
Are you on the right mortgage term and payment schedule to meet your goals? Compare different mortgage payment solutions and scenarios.
Move your Mortgage to RBC Royal Bank
We offer more than just great rates. We offer the advice you need to choose a mortgage that fits with your financial goals.
Applicable to residential mortgages only and subject to Royal Bank of Canada lending criteria for residential properties. Some conditions apply.
Renewal Rate Guarantee
Sign and return your renewal forms and if the interest rate changes before your actual mortgage renewal date, you’ll automatically receive the lower rate for the term you chose.
Renew your mortgage today
You are on: Make my mortgage payments affordable?
By choosing a longer amortization for your mortgage, it will help you lower your monthly payment.
However, longer amortizations increase the total amount of interest you pay over the life of your mortgage. Total interest costs are significantly increased beyond 25 years.
You are on: Take my mortgage with me when I move?
Our mortgage portability option lets you transfer the terms and conditions of your current RBC Royal Bank mortgage to your new home, subject to a credit review and property appraisal when you make the new home purchase.
You may also qualify to Add-On to the mortgage if you require a larger mortgage amount.
You are on: Find the right financing option for my home improvement project?
If you own a home, using the equity you have built up may be one of the most cost-effective ways to finance a home improvement project. And in many cases, home equity products can offer you a lower interest rate as compared to other types of loans.
Find out more about home equity loans and secured lines of credit in our guide to Renovating Your Home .
You are on: Manage my mortgage in Online Banking?
With RBC Online Banking, you can:
- Watch your mortgage decrease every time you make a payment (Payments are processed overnight)
- Arrange a Skip-A-Payment or Double-Up mortgage payments
- Pay property taxes and utility bills
- Schedule regular payments to occur automatically
- View your HomeProtector life, critical illness and disability insurance coverage