We are pleased to partner with Jim Melis and Citizen's Bank to provide you with a full array of mortgage products and financing options.

Click here for current mortgage rates.

Citizens Bank offers mortgages that best suit your needs and their haggle-free rates are lower than those posted by the big five banks.

You can choose a conventional mortgage of up to 75% of the value of the property or a high ratio of up to 95% of the value of the property insured through CMHC or Genworth Financial (formerly GE Capital).

Variable Rate Mortgage
Have your interest rate adjust automatically based on the Prime rate during a fixed term of three years. While it’s best suited for those that monitor interest rates and don’t mind a little more risk, it can save you lots of money during the life of your mortgage. Plus, you can convert it to a fixed rate mortgage at any time (certain conditions apply). Check out current rates.

Fixed Rate Closed Mortgage
We'll guarantee the interest rate for 90 days on mortgage terms of 6 months, 1, 2, 3, 4, 5 or 7 years. Also take advantage of our "double your payment" option once a year to reduce your principal quickly. Check out current rates.

Fixed Rate Open Mortgage
You have the flexibility to repay your mortgage at any time, without penalty. Choose a term of 6 months or 1 year. Check out current rates.

The Benefits of a Citizens Bank Mortgage

• 20/20 Payment Plan - you can make one 20% lump sum prepayment and/or one 20% increase in your payment any time within the mortgage year
  
• CMHC or Genworth Financial Canada High Ratio (95%) Mortgages
  
• Convenient online application
  
• Weekly, bi-weekly and monthly payment options
  
• No-charge transfers
  
• Conventional financing up to 75%
  
• Creditline Mortgages
  

If you'd like to get prequalified for your mortgage or apply for a mortgage, please contact Jim today to get started.