Pre-Qualify for a Mortgage in 60 Seconds
Whether you’re buying your first home or your next, getting pre-qualified is a great first step. In just 60 seconds, you’ll know how much home you can afford. And once that’s done, a dedicated mortgage specialist will guide you through the process from start to finish.
PLUS, enjoy a cash bonus of up to $3,500 and 55,000 Avion points (equivalent up to $1,100 in travel — enough to take you anywhere in North America), when you get an eligible mortgage by November 30, 2024.
Get up to $4,600 Value in Cash and Avion Points
Receive a cash bonus of up to $3,500 when you get an eligible RBC mortgage by November 30, 2024.
How It Works:
| Value of the Eligible Mortgage | Cash Bonuslegal disclaimer 1 |
|---|---|
| $100,000 – $299,999.99 | $500 |
| $300,000 – $499,999.99 | $1,000 |
| $500,000 – $749,999.99 | $1,500 |
| $750,000 – $999,999.99 | $3,000 |
| $1,000,000+ | $3,500 |
+
Plus, receive 55,000 Avion pointslegal
disclaimer 2
(Valued up to $1,100)
Here's How to Get Your Offer
Apply for an eligible RBC mortgage by November 30, 2024.legal disclaimer 1
Complete the following by March 30, 2025:
- Have or open an eligible RBC bank accountlegal disclaimer 2
- Enroll in the RBC Value Programlegal disclaimer 2
- Fund your mortgage
Make a mortgage payment from an eligible RBC bank account by April 30, 2025.legal disclaimer 2
We’ll deposit the cash bonus directly into your bank account and the points into your Avion points account.legal disclaimer 1, legal disclaimer 2
Get Pre-Qualified in 60 Seconds
See how much home you can afford.
Legal
Disclaimer†
The True House Affordability Tool provides a pre-qualification, which gives you
an estimate of the amount of mortgage you may qualify for with us based on the
accuracy and completeness of the information provided by you. This
pre-qualification is for illustrative and general information purposes only and
is not intended to provide specific financial or other advice. Pre-qualification
is not the same as a mortgage approval or pre-approval.
Legal Disclaimer*
This Promotional Offer is comprised of a Cash Offer component and a Points Offer component, as described below. In order to be eligible for and obtain the applicable benefit of the Points Offer component of the Promotional Offer, you must first qualify for the Cash Offer component by meeting its applicable terms and conditions.
Legal Disclaimer1
Cash Offer Component Terms & Conditions:
Provided you meet the terms and conditions described below, you may qualify to receive the applicable cash amount deposited to an RBC “Eligible Personal Deposit Account” (as described below).
An “Eligible Mortgage Application” is a personal residential mortgage application that results in a written mortgage pre-approval or approval, containing an interest rate commitment, dated between November 1, 2024 and November 30, 2024 (inclusive), in Canada only. Mortgage must fund within 120 days from the start of the rate commitment and no later than March 30, 2025. Offer available only for new mortgages or RBC Homeline Plan mortgage segments of the following types and terms:
If you open a new RBC Homeline Plan® account, you may be eligible to receive the Cash Offer component based on the total principal amount(s) in the mortgage segment(s) of the RBC Homeline Plan.
This offer is limited to personal clients and new residential mortgages / RBC Homeline Plan mortgage segment(s) mortgages on owner-occupied residential dwellings only. Non-personal clients, commercial/investment properties, and properties not owner-occupied are excluded.
This offer is also not available in respect of any of the following transactions: an amendment to an existing mortgage with RBC; an advance of additional funds; a mortgage renewal; a mortgage switched to RBC from another financial institution; a new mortgage segment within an existing RBC Homeline Plan; a mortgage portability transaction; or a transfer of an existing mortgage with RBC to an RBC Homeline Plan. In addition, you are not eligible to participate in or receive the benefit of this Promotional Offer if you are currently participating, or have in the past participated, in an RBC Mortgage offer offered in conjunction with a new home builder. You may contact us for additional details and/or to confirm your eligibility. Offers may be combined or used in conjunction with only certain other RBC offers, only as and to the extent permitted under the terms and conditions of such other RBC offers. See your RBC mortgage specialist for additional details. This offer is subject to RBC’s standard lending criteria for residential mortgages. Offer may be withdrawn or amended without notice at any time.
Mortgage must remain open until the end of mortgage term; should your mortgage be repaid or otherwise closed or discharged prior to the end of its term, we reserve the right to demand repayment of the cash benefit amount you received, and by participating you agree (i) to repay this amount upon demand and (ii) that we may, without notice to you, debit any account you hold with us for such an amount.
NOTE: To receive the applicable cash benefit, you must have or open an RBC Royal Bank Canadian dollar “Eligible Personal Deposit Account” (as described below) or an RBC Private Banking Account, and you must use it to make at least one payment for your mortgage by April 30, 2025. An “Eligible Personal Deposit Account” means one of the following RBC personal deposit account types: RBC Staff Banking, RBC VIP Banking, RBC Advantage Banking, RBC Advantage Banking for students, RBC Signature No Limit Banking, RBC No Limit Banking, RBC Day to Day Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC Day to Day Savings, RBC Enhanced Savings, RBC High Interest eSavings. If you have more than one Eligible Personal Deposit Account, we reserve the right to choose, in our sole discretion, the Eligible Personal Deposit Account to which your cash benefit will be credited. The cash benefit will be credited eight weeks after all the criteria for an “Eligible Mortgage Application” are met. If you do not have an Eligible Personal Deposit Account by March 30, 2025, and make a mortgage payment from an eligible account by April 30, 2025, you will be deemed to have not qualified for this offer and will not be eligible to receive its benefits. RBC reserves the right to charge your account if you payout your mortgage before the end of your term.
Provided you meet the terms and conditions described below, you may qualify to receive the applicable cash amount deposited to an RBC “Eligible Personal Deposit Account” (as described below).
An “Eligible Mortgage Application” is a personal residential mortgage application that results in a written mortgage pre-approval or approval, containing an interest rate commitment, dated between November 1, 2024 and November 30, 2024 (inclusive), in Canada only. Mortgage must fund within 120 days from the start of the rate commitment and no later than March 30, 2025. Offer available only for new mortgages or RBC Homeline Plan mortgage segments of the following types and terms:
- 3-year fixed interest rate closed mortgage
- 4-year fixed interest rate closed mortgage
- 5-year fixed interest rate closed mortgage
- 5-year variable closed mortgage
If you open a new RBC Homeline Plan® account, you may be eligible to receive the Cash Offer component based on the total principal amount(s) in the mortgage segment(s) of the RBC Homeline Plan.
This offer is limited to personal clients and new residential mortgages / RBC Homeline Plan mortgage segment(s) mortgages on owner-occupied residential dwellings only. Non-personal clients, commercial/investment properties, and properties not owner-occupied are excluded.
This offer is also not available in respect of any of the following transactions: an amendment to an existing mortgage with RBC; an advance of additional funds; a mortgage renewal; a mortgage switched to RBC from another financial institution; a new mortgage segment within an existing RBC Homeline Plan; a mortgage portability transaction; or a transfer of an existing mortgage with RBC to an RBC Homeline Plan. In addition, you are not eligible to participate in or receive the benefit of this Promotional Offer if you are currently participating, or have in the past participated, in an RBC Mortgage offer offered in conjunction with a new home builder. You may contact us for additional details and/or to confirm your eligibility. Offers may be combined or used in conjunction with only certain other RBC offers, only as and to the extent permitted under the terms and conditions of such other RBC offers. See your RBC mortgage specialist for additional details. This offer is subject to RBC’s standard lending criteria for residential mortgages. Offer may be withdrawn or amended without notice at any time.
Mortgage must remain open until the end of mortgage term; should your mortgage be repaid or otherwise closed or discharged prior to the end of its term, we reserve the right to demand repayment of the cash benefit amount you received, and by participating you agree (i) to repay this amount upon demand and (ii) that we may, without notice to you, debit any account you hold with us for such an amount.
NOTE: To receive the applicable cash benefit, you must have or open an RBC Royal Bank Canadian dollar “Eligible Personal Deposit Account” (as described below) or an RBC Private Banking Account, and you must use it to make at least one payment for your mortgage by April 30, 2025. An “Eligible Personal Deposit Account” means one of the following RBC personal deposit account types: RBC Staff Banking, RBC VIP Banking, RBC Advantage Banking, RBC Advantage Banking for students, RBC Signature No Limit Banking, RBC No Limit Banking, RBC Day to Day Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC Day to Day Savings, RBC Enhanced Savings, RBC High Interest eSavings. If you have more than one Eligible Personal Deposit Account, we reserve the right to choose, in our sole discretion, the Eligible Personal Deposit Account to which your cash benefit will be credited. The cash benefit will be credited eight weeks after all the criteria for an “Eligible Mortgage Application” are met. If you do not have an Eligible Personal Deposit Account by March 30, 2025, and make a mortgage payment from an eligible account by April 30, 2025, you will be deemed to have not qualified for this offer and will not be eligible to receive its benefits. RBC reserves the right to charge your account if you payout your mortgage before the end of your term.
Legal Disclaimer2
RBC Avion Points Offer Component Terms & Conditions:
In addition to the Cash Offer, if your “Eligible Mortgage Application” is for a mortgage or RBC Homeline Plan mortgage segment with a principal amount greater than or equal to $100,000 and you have qualified for the Cash Offer component of the Promotional Offer by meeting its applicable terms and conditions as described above, you may be eligible to earn 55,000 RBC Avion points (“Bonus Points”).
To qualify to receive the Bonus Points, you must (i) have qualified to receive the Cash Offer component of the Promotional Offer, and (ii) before March 30, 2025, have an “Eligible Personal Deposit Account” (as described below) that is enrolled in the RBC Value Program, or open an Eligible Personal Deposit Account and enroll it in the RBC Value Program. Eligible Personal Deposit Accounts include: RBC Staff Banking, RBC VIP Banking, RBC Advantage Banking, RBC Advantage Banking for students, RBC Signature No Limit Banking, RBC No Limit Banking, RBC Day to Day Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC Day to Day Savings, RBC Enhanced Savings, RBC High Interest eSavings. For more information on the RBC Value Program please visit: https://www.rbcroyalbank.com/onlinebanking/servicech/pdf/br-value-program.pdf
If you qualify to receive the Bonus Points by meeting all applicable terms and conditions, the Bonus Points will be deposited to the RBC Avion points account tied to your Eligible Personal Deposit Account within eight weeks after meeting all the criteria for an “Eligible Mortgage Application”, as described above.
If you do not have an Eligible Personal Deposit Account that is enrolled in the RBC Value Program by March 30, 2025, you will be deemed to have not qualified for the Bonus Points and will therefore not receive them.
In addition to the Cash Offer, if your “Eligible Mortgage Application” is for a mortgage or RBC Homeline Plan mortgage segment with a principal amount greater than or equal to $100,000 and you have qualified for the Cash Offer component of the Promotional Offer by meeting its applicable terms and conditions as described above, you may be eligible to earn 55,000 RBC Avion points (“Bonus Points”).
To qualify to receive the Bonus Points, you must (i) have qualified to receive the Cash Offer component of the Promotional Offer, and (ii) before March 30, 2025, have an “Eligible Personal Deposit Account” (as described below) that is enrolled in the RBC Value Program, or open an Eligible Personal Deposit Account and enroll it in the RBC Value Program. Eligible Personal Deposit Accounts include: RBC Staff Banking, RBC VIP Banking, RBC Advantage Banking, RBC Advantage Banking for students, RBC Signature No Limit Banking, RBC No Limit Banking, RBC Day to Day Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC Day to Day Savings, RBC Enhanced Savings, RBC High Interest eSavings. For more information on the RBC Value Program please visit: https://www.rbcroyalbank.com/onlinebanking/servicech/pdf/br-value-program.pdf
If you qualify to receive the Bonus Points by meeting all applicable terms and conditions, the Bonus Points will be deposited to the RBC Avion points account tied to your Eligible Personal Deposit Account within eight weeks after meeting all the criteria for an “Eligible Mortgage Application”, as described above.
If you do not have an Eligible Personal Deposit Account that is enrolled in the RBC Value Program by March 30, 2025, you will be deemed to have not qualified for the Bonus Points and will therefore not receive them.
Legal Disclaimer3
Other Terms & Conditions Applicable to the Promotional Offer:
Limit of one Promotional Offer (i.e., limit of one Cash Offer and one Points Offer) per funded mortgage or RBC Homeline Plan with a mortgage segment.
Royal Bank of Canada reserves the right to cancel, modify or withdraw the Promotional Offer or any component thereof at any time, with or without notice to you.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”), 55,000 Avion points can be redeemed for a round trip long-haul flight to Mexico, Hawaii or Alaska from Eastern Canada or the United States, and to Bermuda, Central America, Caribbean from Western Canada or the United States, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html(opens new window). If you are not an RBC Avion Cardholder, different redemption rates apply. Avion points can also be redeemed for travel, gift certificates/cards, brand name merchandise, and more. All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com(opens new window) or call 1-800 ROYAL 1-2 (1-800-769-2512).
Limit of one Promotional Offer (i.e., limit of one Cash Offer and one Points Offer) per funded mortgage or RBC Homeline Plan with a mortgage segment.
Royal Bank of Canada reserves the right to cancel, modify or withdraw the Promotional Offer or any component thereof at any time, with or without notice to you.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”), 55,000 Avion points can be redeemed for a round trip long-haul flight to Mexico, Hawaii or Alaska from Eastern Canada or the United States, and to Bermuda, Central America, Caribbean from Western Canada or the United States, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html(opens new window). If you are not an RBC Avion Cardholder, different redemption rates apply. Avion points can also be redeemed for travel, gift certificates/cards, brand name merchandise, and more. All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com(opens new window) or call 1-800 ROYAL 1-2 (1-800-769-2512).