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Purchasing & Refinancing

Our team of experienced and award-winning lenders takes the time to understand your individual goals, educate you on available options and work with you to find a fitting financial solution. In addition, decisions are made locally so your financial information stays local and decisions are made fast.

Purchasing

Whether you're purchasing your first home or your fifth, Royal Bank offers a suite of loan programs to meet your financial goals. Even if you haven't found your dream home, you may want to consider applying now. By applying for a mortgage now, we can issue a pre-qualification letter to assure real estate brokers and sellers that you are a qualified buyer. When you do find the perfect home, step one will be complete and you can simply contact your Royal Bank lender to complete the application.

Apply Online for a home loan today!

Refinancing

You may want to consider a refinancing option if:

How do you know if it makes sense to refinance?

The simple rule of thumb for determining if it makes sense to refinance is to compare the amount that it will cost you to refinance1 to the monthly savings you'll have by reducing your payment. Simply divide the cost of refinancing by the monthly savings to determine how many monthly payments you'll have to make before you've recaptured the initial refinance cost. If you plan on staying in your home longer than the recapture time it may make sense for you to refinance.

To fully analyze whether it's the right time for you to refinance, you'll want to look at the remaining term of your current loan and your current tax bracket. Our convenient calculators can help you determine if it's the right time to refinance, or you can contact a member of our lending team today to learn more.

Contact a member of our lending team today to learn more. 

Apply Online for a home loan today!

1Closing and refinancing charges may apply.