I will explain and help you select the mortgage features that are right for you. You’ll learn how you can save thousands of dollars over the long term through our many flexible prepayment options. I will also illustrate how those options can help you budget for the future, and protect yourself and your family from unexpected events. By carefully choosing the best combinations, you’ll enjoy peace of mind for years to come. For saving money • More frequent payments: semi-monthly, weekly, bi-weekly or accelerated payment options. • Double-Up option • Full range of flexible prepayment options. For peace of mind and security •Fixed-rate terms as long as 25 years. •Interest rate guarantee for 90 days (18 months for new construction) •Home Protector life and disability insurance •Skip-A-Payment and our unique Extended •Skip-A-Payment option For buying and selling •Instant pre-approved mortgages •Low down payment options •Borrowing money from your RRSP to buy your first home through the government’s Home Buyer’s Plan •Mortgage Rate Buy own program and Portability Option A pre-approved mortgage enables you to shop for a home with a clear idea of how much you can reasonably borrow. It will also give you an edge in home price negotiations and ensure you’re comfortable with your purchase decision. I can quickly pre-approve your mortgage. When you apply for a Royal Bank or Royal Trust fixed-rate mortgage, your Mortgage Specialist can honour the quoted mortgage rate for 90 days (18 months for new construction) – even if rates go up during that period – so you can shop with confidence. If rates go down between the date your mortgage is approved and the date your mortgage funds are provided, we’ll give you the lowest mortgage rate in effect for the term you selected. No Down Payment? No problem! With interest rates at historically low levels, you're likely wishing you could find a way to buy your home and looking at ways to save for the down payment. At RBC Royal Bank®, things just got a whole lot easier! Not having a down payment doesn't have to keep you from owning a home. Introducing the new RBC No Down Payment Mortgage option that allows you to buy your home without the required 5% down payment. All you need is 1.5% of the purchase price to cover closing costs*. How does it work? Quite simply. The RBC No Down Payment Mortgage option provides you with cash back1 when you take a 5-year posted rate mortgage2. That Cashback is then used to cover your required down payment. We understand that despite your good cash flow and excellent credit, saving the required down payment can be tough. And we're here to help. ™ Trademark of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ® Registered trademark of Royal Bank of Canada. 1 The cash back must be used to cover the required down payment. 2 You can borrow 95% of the appraised property value or purchase price of your new home - whichever is less. * You can use this 1.5% for the initial deposit when purchasing your home and later replace it with cash back received by RBC Royal Bank at time of closing.