Change Language | Region*
American flag

*Products and services featured on our websites are only available to residents of the selected country.

Set your homepage
    Set your homepage

HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Mortgages

It doesn't matter if you are a first-time home buyer or a current homeowner; you want to feel confident that you've chosen the right mortgage. We can help. Whether you want to discuss mortgage financing options, calculate the lending costs of your mortgage, or need guidance to understand the next steps, you can count on our home mortgage expertise.

Mortgage Rates & Options

Looking for a short- or long-term mortgage, variable or fixed rate mortgage, open or closed mortgage? We have a wide range of mortgage options and rates to meet your home financing needs.

*Terms and Conditions
BMO Rates*
Fixed
5 year low rate (closed)
%
Variable
5 year (closed)
%
View all BMO mortgage rates in CanadaAll mortgage rates

Home Buyer's Guide

Whether you're a first-time home buyer or you've done this before, the BMO Home Buyer's Guide will help you through the process of financing, choosing and purchasing your new home.

Refinancing Your Home

The equity you've built up in your home is a powerful tool. By leveraging this equity, you can refinance your home to help you reach other important goals or bridge a temporary gap in your cash flow.

Mortgage Calculators & Tools

We have a wealth of resources perfect for the first, second or even third time home buyer.

Determine what your mortgage payments will be and what you can afford with our free online mortgage calculators.

Below you'll find helpful tips and worksheets to guide you through all stages of the home-buying process.

Check the meaning of mortgage terms quickly and easily.

Whether you are buying a new home or refinancing or transferring the mortgage on your existing home, some

documentation is required to support your request.

Contact Us

Have questions about our competitive mortgage rates?

Call us at 1-877-CALL BMO to book an appointment or visit a local Locate a Branchbranch.

Or, locate one of our Start Mortgage Specialist processMortgage Specialists who can meet you when and where it's convenient for you.

Start Your Mortgage Pre-approval

Please complete this short online form to help us understand your needs and a Mortgage Specialist will contact you within one business day.

Ready to apply
Online
Complete your application online and we will contact you within two business days to follow-up with you.
Schedule an appointment
In just a few easy steps, choose the date, time and branch to book an appointment that works with your schedule.
Questions? Ready to Apply?

Locate an Investment Advisor
Search Type
Search by Address
Book Appointment Online_Get Started
House hunt with confidence. Introducing BMO Blue Room App for the iPhone and Android. Learn more.
5 Year Low Rate
Mortgage (closed)
%*
Prime Rate %
Smart Saver %