What would you like to do?
Switch Your Mortgage
With local knowledge plus competitive terms and rates, switching your mortgage to BlueShore Financial offers:
• Expert advice customized to you
• Flexible terms & payment options
• Favorable rates
• Premium mortgage services
Buy your first home
Purchasing a first home is an exciting time. We can help you with the process and steps you need to take, including:
• Saving your down payment
• Reviewing what you can afford
• Getting pre-approved
• Mortgage terms and current rates
Renew Your Mortgage
Review and renew your mortgage with a team ready to help you through the process, including:
• Exclusive rates for clients
• Flexible terms and payment options
• Expert mortgage advice and services
• Flexible insurance options
Refinance Your Mortgage
Explore ways to refinance and save on your mortgage, with expert advice and services:
• Best rates and flexible terms
• A range of refinancing options
• Unlock your home equity
• Expert mortgage advice
Renovate Your Home
Update, expand or increase your home's value with financial solutions to fund your renovation.
• Leveraging your home's value
• Home equity line of credit (HELOC)
• Favourable rates and terms
• Expert advice and solutions
Buy Your Next Home
Whether upgrading, downsizing, or buying a second property, we’re here to help with your goals:
• Securing a new home mortgage
• Purchasing additional property
• Exploring HELOC options
• Porting a mortgage
Buy A Vacation Home
A vacation property can be a special place to build lifelong memories and make some extra income. We can help with:
• Flexible mortgage solutions
• Securing financing
• Unlocking your home equity
• Insurance and protection needs
Buy An Investment Property
Buying and renting a property can help augment your income and serve as a long-term investment:
• Securing the right mortgage
• Financing your purchase
• Using your home equity
• Insurance and protection needs
Why BlueShore Financial?
At BlueShore Financial, we're fully committed to the overall wellness of our clients and the communities we serve.
With a full range of personalized products and solutions, and a team of expert advisors, all served up in our trademark Financial Spa® branches, we’re dedicated to long-term client relationships that work to foster financial wellness for you.
Mortgages to suit your needs
Flexible
Choose the right term, from 6 months to 10 years, and the right amortization (up to 30 years).
Multiple payment options
Choose weekly, bi-weekly, semi-monthly or monthly payments to suit your cash flow. Up to 15% of the original principal can be paid down each year on the mortgage anniversary date. Also, scheduled payments can be increased, on an ongoing basis, by up to 15% once each year.
Waived legal fees
You may be eligible to borrow additional funds without incurring further legal fees, if the amount is covered by your existing mortgage security.
Custom built
If a listed mortgage option doesn't seem to be what you need, we can build the ideal mortgage solution for you. Ask us how.
Local knowledge and expert advice
With deep roots in our communities, our knowledgeable, experienced and accredited advisors offer local insights, personalized solutions and sound strategies to help you achieve your goals.
Extended financing
Up to 80% of property value or up to 95% if insured by CMHC, Sagan, Canada Guarantee or other options, with down payments as low as 5%.
Frequently Asked Questions
Many people see the choice between a fixed- and variable-rate mortgage as one-or-the-other. But there’s room for some creativity here. A “hybrid mortgage” lets you go “fixed” for a portion of your mortgage (providing some payment certainty) and variable for the rest (allowing for the possibility of savings, which variable rates have historically offered over fixed rates).
The “blend and extend” option lets you average currently available rates with the rate your fixed-rate mortgage carries now and use that as the basis for an extension. This could offset some of your payment increase at renewal.
There are a few things you can do ahead of time to ensure you get the best rate possible. First, keep on top of your debt and stay current with payments. This will help with your credit score. Review mortgage insurance options, including those through the CMHC (Canada Mortgage and Housing Corporation). And “lock in” your rate once you’ve found the best one for you – this can be held up to 120 days in some cases.
And of course, be sure you work with a mortgage and financial advisor. Our team is here to answer your questions and help you with achieving your home ownership goals – including best rates for clients.
Use our Mortgage Affordability Calculator to review different rates and scenarios.
Start by reviewing and researching our mortgage options above. You can also review our Mortgage Rates to get an idea of current rates and offers. And of course, be sure to connect with one of our mortgages specialists to review your best scenarios and options. We’re here to help ensure you are making the right decisions for your needs.
Have a question? Ask an expert
Karn Toor Financial AdvisorMutual Funds Investment Specialist
Financial Advisor
Mutual Funds Investment Specialist
Our team of experienced professionals are here to answer any questions you may have.
Feel at home with our featured mortgage offers
Enjoy greater security and settle in with our featured rates on eligible mortgages. Plus, get the terms and flexibility you desire.
- Predictable payments to complement your budget
- Personalized payment frequency: weekly, bi-weekly, semi-monthly or monthly
- Flexibility to pay down original principal
- Opportunity to increase scheduled payments
Speak to us today about a mortgage that suits your goals.
Receive up to $800 for joining BlueShore Financial
Not only will you enjoy a premium banking experience with expert financial advice, but as our gift to you as a new client, you can also receive up to $800‡ cash back when you join BlueShore Financial.
Select from a range of chequing, savings and credit card options for your personal or business needs to start your Welcome Bonus.
Achieve your home ownership dreams
Save for your first home with the First Home Savings Bundle.±
- 3.00% annual interest on an FHSA*
- Bonus rates on term deposits
- New client welcome bonus of up to $800
- Everyday banking essentials to fit your needs
Get the most from your mortgage
Online
Complete this form and a BlueShore representative will contact you, or click the Live Chat icon to begin a chat.
By Phone
Phone: 604.982.8000
Toll-free: 1.888.713.6728
Solution Centre Hours:
Mon to Fri 8am-8pm
Sat 9am-5pm
In Person
Visit a branch near you to review and discuss your home ownership goals.