Brand new home, brand new outlook on home financing

Peoples Trust Company’s Residential Lending Services offers competitive rates, personal service and flexible options that put you in control of your mortgage. Our full range of mortgages includes 1, 2, 3, 4 and 5 year fixed and 5 year adjustable rate mortgages and several specialized mortgages to serve unique home financing needs. With financial stability, industry-leading rates and truly exceptional service, Peoples Trust has become one of Canada’s most trusted mortgage providers.

Act now for industry-leading rates. Discuss your needs with our Mortgage Planners and receive our best rate.

Prime Rate (Published)
Fixed Rate (Published)
1 year 2.89%
2 year 2.89%
3 year 2.99%
4 year 2.99%
5 year 3.24%*
ARM (Published)
5 year Prime – 1.20%

ARM = Adjustable Rate Mortgage.


Fixed and adjustable rate conventional mortgages (loan to value of 80% or less) are subject to additional rate premiums.

Rates are effective as of Feb 13, 2018 11:59PM, and are subject to change without notice.

*Spring Special: 5yr fixed rate of 3.04% offered on a 90 day close.

Peoples Trust Company’s Residential Lending Services offers a wide range of products and options:

1-5 year rates

1-5 year fixed rates to suit your needs, Fixed terms for your peace of mind. Flexible repayment terms.

5 year adjustable

A flexible mortgage with 5 year term, that you can convert to fixed at any time.

Purchase plus improvements mortgage

Found a home but need to renovate? Let us show you how to finance the renovations.

Investment property (rental)

Financing for those looking to purchase a rental property up to 4 units.

Business for self mortgage

Specialized financing for those individuals with self-employed income.

New to Canada mortgage

Financing for those clients who are new to Canada, with limited credit history.

Second home mortgage

Financing for second homes; cottages, homes for elderly family member or children with as little as 5% down payment.