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Our Mortgages

You’ve found a home that’s right for you. Now let’s help you find a mortgage that fits.

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Choose the mortgage that’s right for you

Whether you like the predictability of a fixed rate, the potential savings of an adjustable rate or the flexibility of a line of credit with your mortgage, we offer a mortgage solution to suit your financial goals and priorities.

Fixed Rate Mortgage

Your mortgage payments are guaranteed to stay the same throughout your term.

Why choose this mortgage:

  • Enjoy the security of knowing that your payments won’t change
  • Flexible payment options available
  • Pay down your mortgage faster with 20% lump sum pre-payment and payment increase privileges

Learn more about our Fixed Rate Mortgage

Adjustable Rate Mortgage

Comes with an adjustable rate and our best features.

Why choose this mortgage:

  • Your rate and your payment decrease any time the MCAP Prime Rate goes down
  • You can convert to MCAP’s current fixed rates without penalty
  • Pay down your mortgage faster with 20% lump sum pre-payment and payment increase privileges

Learn more about our adjustable rate mortgage

Fusion Mortgage

A mortgage and line of credit combine to offer flexible financing options.

Why choose this mortgage:

  • The more you pay down on your mortgage, the more your line of credit grows
  • You have the flexibility to leverage your home equity when you need to without having to refinance or requalify
  • Choose between a fixed or adjustable rate mortgage to combine with a line of credit

Learn more about our Fusion Mortgage

MCAP Safeguard Mortgage

An innovative second mortgage that lets homeowners easily access equity without touching their existing mortgage.

Why choose this mortgage:

  • Get access to the funds you need now
  • Add the MCAP Safeguard Mortgage without changing your existing mortgage
  • Avoid early payout penalties

Learn more about the MCAP Safeguard Mortgage

The right mortgage is about more than rates

While a great rate is always nice, it’s not the only thing to consider when choosing a mortgage. What’s important is to choose one that offers the combination of features that’s right for you.

Find out more

Mortgage Programs

If you have an investment property or second home, you can get the financing you need through the following MCAP mortgage programs.

Small Rental Program

Get financing for up to four rental properties, including condo, single family, duplex, triplex, and fourplex rentals.

Learn more about our Small Rental Program

Secondary Home Program

If you or a family member plans to live in a second property on a rent-free basis, you could get financing with as little as 5% down.

Learn more about our Secondary Home Program

Benefits of an MCAP mortgage

Flexible payment options

  • Choose a payment schedule that fits your lifestyle — monthly, semi-monthly, bi-weekly, weekly (accelerated)
  • Pay down your mortgage sooner with payment increase and lump sum payment privileges

Online, anytime access

  • Find everything you need to know about your mortgage, 24/7 through the MyMCAP online portal
  • Make lump sum payments, check your mortgage balance, review property tax information, and more

Login to MyMCAP

Simplified property tax payments

  • MCAP offers the option to pay your property taxes with your MCAP mortgage, giving you one less bill to worry about
  • Your property taxes will be paid on time, every time

Learn about our property tax services

Dedicated customer support

  • Reach our Customer Service Specialists by telephone, email, mail, and fax
  • Our call centre is open Monday – Friday, 8am – 8pm nationally. You can also email us anytime.

Contact Us

Get Started

For questions, rates or to start a mortgage application, professional mortgage brokers are available to help.