Mortgage Centre

Choose the right mortgage with expert advice.

Our mortgage advisors show you mortgage solutions customized to your needs, so you can enjoy your home knowing you made the right decision.

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What are your homeownership needs?

First-time home buyer
Buying my next home
Buying a secondary property
Renovating my home
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Cipher Ardent eHOME
Best Fit

Completely digital mortgage experience allowing you to start and submit a new purchase application completely online, track the status of your application and close at a lawyer's office.

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Fixed Rate Mortgages
Recommended

Find a secure fixed rate mortgage to help buy your dream home. Choose from competitive interest rates on open term or closed term mortgages at Cipher Ardent.

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CAF Total Equity® Plan (STEP)
Recommended

Use our CAF Total Equity Plan to help leverage up to 80% of the value of your home and choose from a broad range of Cipher Ardent products.

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Mortgage payment calculator

Find out what your mortgage payments will be, so you can ensure it fits your budget.

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CAF Total Equity Plan Calculator

Use the CAF Total Equity Plan to tap into your home equity.

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Related, Helpful Tools
STEP Calculator
View, STEP Calculator
What can I afford
View, What can I afford
Financing Your Home Renovations
View, Financing Your Home Renovations
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