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Feel at home with a mortgage that fits your needs.

Whether you're buying a new home or refinancing, get guidance on calculating the costs, choosing the right loan, and understanding the next steps.

Mortgage Rates

2.81% APR*

5-year BMO Smart Fixed Mortgage
(fixed rate, closed mortgage)


2-year fixed mortgage
(fixed rate, closed mortgage)


5-year variable mortgage
(variable rate, closed mortgage)

View all rates

Responding to your wealth management needs

We help you grow, protect and transition your wealth with award-winning wealth management services like investment management and wealth planning.

with your wealth management needs

Make your money work for you

Prepare for the future with the right investment solution, from building a nest egg to saving for your child's education.

with investments

Have other loan needs?

Need a line of credit? Ready to buy a new car? Find out more about our other borrowing solutions.

Lines of credit Loans

Wealth management products and services may be offered by Bank of Montreal or by one or more of its affiliates.

We're making some changes to our Personal and Business Banking fees, accounts and Plans effective May 1, 2015 (2 MB – PDF).

1 BMO Growth GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Growth GIC is guaranteed and is repayable upon maturity, but there is no guarantee of earning any return linked to the performance of the underlying securities. The rate of return for the term payable, if any, will be the return on the portfolio of investments, which are the basis for calculating the return on the 4-year BMO Growth GIC (the “Reference Portfolio”) subject to the following: the rate of return for the term will not be less than zero or more than the maximum rate of return for the 4 year term, which for the BMO Growth GIC series 102 is 16%. The return on the Reference Portfolio, if any, is determined without reference to any dividends or distributions paid on the securities and is the simple average of the percentage changes in the value of each underlying security in the Reference Portfolio over the term of the BMO Growth GIC. The rate of return for the term: (i) is not compounded; (ii) as set out in this advertisement is based on the BMO Growth GIC series 102 and the maximum rate of return for the term is subject to change between series; and (iii) is not an annual rate but is the rate of return over the entire term of the BMO Growth GIC. If market disruptions or other special circumstances affect the calculation of the return, the calculation agent may adjust or delay the calculation or payment of interest, estimate the value of an underlying security, replace a security and/or determine the amount of interest, if any, that may be payable in an alternate manner. The terms and conditions for BMO Growth GICs are available at your local BMO Bank of Montreal branch. BMO Growth GICs are not available in RSPs if the BMO Growth GIC’s maturity date is after the date you are required to convert your RSP to a RIF.

* Based on year-to-date sales as of September 30, 2015. BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts or prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.