Open, closed and convertible mortgages
What's the difference?
Open mortgages
An open mortgage can be paid off in part or in full at any time with no additional charges. It can also be converted to another mortgage type at any time without prepayment charges. While open mortgages offer the most flexibility, they generally have a higher interest rate. An open mortgage might be right for you if you are looking to pay off your mortgage in the near future.
Closed mortgages
Convertible mortgages

Buying my next home
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Making the leap: buying your first home
Be prepared for one of the biggest decisions — and investments — you can make. Explore what to consider before you buy, tips on saving for your down payment, and what you need to know before buying your home.