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LET US HELP YOU FIND THE BEST MORTGAGE

Contact a mortgage specialist


WHICH TYPE OF MORTGAGE IS RIGHT FOR YOU?

I'm buying a home

I want to switch or refinance

My house is paid for, I want to use my equity

I’m buying a commercial property

I want to renew my Manulife One term sub-account

I want to renew my Manulife Bank Select mortgage



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IF YOU HAVE A 20% DOWN PAYMENT, WE THINK YOU'LL LIKE OUR ALL-IN-ONE MORTGAGE AND
BANKING ACCOUNT.



MANULIFE ONE

Reduce your interest costs and become debt-free sooner with Manulife One. It’s
an all-in-one mortgage that lets you simplify your banking by combining your
mortgage with your bank accounts, short-term savings, income, and other debts.


Its flexibility lets you easily increase or decrease your mortgage payments as
your goals change and you’ll enjoy convenient access to your home equity when a
need arises.


Manulife One is right for you if you’re buying a home and have at least a 20%
down payment, or if you want to refinance or transfer in your existing mortgage
and have at least 20% equity in your current home.

Mortgage TypeRate
5 Year Open (Manulife One Base Rate plus 0%) 1 Year Closed 2 Year Closed 3 Year
Closed 4 Year Closed 5 Year Closed 7 Year Closed 10 Year Closed
5 Year Open (Manulife One Base Rate plus 0%) 7.70%%



Calculate your savings
Discover Manulife One


WE THINK YOU'LL LIKE OUR FLEXIBLE MORTGAGE WITH A HIGH INTEREST CHEQUING
ACCOUNT.



MANULIFE BANK SELECT

Customize your mortgage, your way with Manulife Bank Select. It lets you divide
your mortgage into different portions, each with its own amount, interest rate
and term. You can choose the payment schedule for each portion that works best
with your budget.

It also brings your banking together with a high-interest chequing account to go
along with your mortgage. You’ll enjoy free banking, unlimited transactions and
a high interest rate chequing account when you maintain a minimum balance of
$5,000.


Manulife Bank Select is right for you if you’re buying your first home and have
at least a 5% down payment or want to switch, refinance or renew your current
mortgage.

Mortgage TypeRate
1 Year Closed 2 Year Closed 3 Year Closed 4 Year Closed 5 Year Closed 7 Year
Closed 10 Year Closed
1 Year Closed 7.89%%


See what you can afford
Discover Manulife Bank Select

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MORTGAGE CALCULATORS


SEE HOW MUCH YOU CAN AFFORD

Buying a home? Figure out what you can afford and how much your payments will
be.

Get started


PREPAYMENTS CHARGE CALCULATOR

Find out if any charges will apply if you want to pay off your mortgage early.

Get started


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FAQ

Should I get a mortgage pre-approval before shopping for a home?

Getting mortgage pre-approval should be your first step when buying a home. A
pre-approval lets you know how much the bank is willing to lend and gives you an
idea of your estimated monthly payments. This allows you to focus your search on
homes within your approved price range and make an offer without worrying about
whether you’ll be able to get financing.


How much of a down payment do I need?

You can buy a home with as little as 5% of the total purchase price of the new
home, which means you can borrow up to 95% of the value of the home. The amount
of your down payment will determine what kind of mortgage you qualify for.

 * If you have a down payment of less than 20%: you’ll need a high ratio
   mortgage. With this type of mortgage, you’ll need to purchase mortgage
   default insurance. The cost of default insurance can be added to your
   mortgage or paid in a one-time payment.
 * If you have a down payment of 20% or more: you can have a conventional
   mortgage. With a conventional mortgage, there’s no need to purchase mortgage
   default insurance.

What is a mortgage amortization?

Your amortization is the length of time it will take you to pay off your entire
mortgage at your current interest rate and payment. Your amortization will
change over time as you renew at different interest rates, with different
payment amounts. 

For example, you might have a five-year, fixed-rate mortgage with an
amortization of 25 years. This means the life of the mortgage (amortization) is
25 years and your interest rate and payments are guaranteed for the five-year
term. After five years you’ll have 20 years left on the life of your mortgage
and you can renew the interest rate for another term, for example another five
years.

See all Manulife Bank Mortgage FAQ
Contact a mortgage specialist
See how much you can afford


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