Skip to main content

Specializing in mortgages that meet the
unique borrowing needs of Canadians

For an innovative mortgage solution, talk to us. We’re focused on meeting the needs of a variety of borrowers, including:

New Canadians and permanent residents
New Canadians
and permanent
Entrepreneurs and self-employed individuals
Entrepreneurs and
Real estate investors and business owners
Real estate
investors and
business owners
Individuals with verified foreign income
Individuals with
verified foreign
International students and work permit holders
students and
work permit holders
Real life success story
“I’m a self-employed entrepreneur, so when it came time to buying a property, I needed a mortgage provider that could see my cash flow beyond bank statements. WealthONE helped my dream come true.”
G.J., Toronto, Ontario
Buy a home

WealthONE Residential Mortgage

Our flexible mortgage options are customizable to your individual borrowing needs and circumstances.

With all of our mortgages, you can:
  • Choose a weekly, bi-weekly, or semi-monthly payment plan
  • Make the same payment amount throughout your term
  • Make an annual lump sum payment of up to 20% of your original mortgage principal
  • Increase your regular payments once a year by 20% without penalty
A Fixed Rate Mortgage means no surprises
  • Choose from 1 to 5 year terms
  • You pay the same interest rate throughout your term
A Variable Rate Mortgage may save you money
  • Choose from 3 to 5 year terms
  • Your interest rate may change throughout the term
  • If your interest rate goes down, you’ll pay down more of your principal
  • If your interest rate goes up, you’ll pay more interest
  • You can convert to a fixed rate mortgage any time
Understanding Interest Rate Changes
Have a variable rate mortgage? Find out your options in a rising interest rate environment.

Variable Rates**

Prime* + 0.10%

3 Years (Closed)

Prime* + 0.10%

5 Years (Closed)

*Based on WealthONE Prime Rate: 5.95%
Rates effective as of 2022-09-09

Fixed Rates**

Rates effective as of 2022-10-3


1 Year (Closed)


2 Year (Closed)


3 Years (Closed)


4 Years (Closed)


5 Years (Closed)

Getting started is easy

Choose the option that works best for you:

Mortgage Calculator

Use the mortgage calculator to determine how much you can borrow and to estimate your monthly mortgage payments.


Invest in real estate

When you invest in real estate in Canada, you may require flexible financing options, including a mortgage solution tailored to your specific property needs.

Your new mortgage lending partner is WealthONE Bank of Canada
Become a partner

Mortgage brokers and real estate professionals: partner with us

If you're looking for that unique financial institution that will see your client's story beyond the numbers on the paper, consider WealthONE as your mortgage lending partner.

** Interest rate compounded semi-annually, not in advance . Assuming no additional fees are charged, the Annual Percentage Rate is the same as the Interest Rate. The Annual Percentage Rate (APR) is calculated semi-annually and is based on a 25-year amortization period. All Rates are subject to borrowers meeting WealthONE Bank’s lending criteria (this may include your credit score, income and property location) and are subject to change without notice. Residential lending rates are determined on a case-by-case basis, which allows us to offer you competitive options for your specific needs. Working with a mortgage broker will ensure you have all the information you need to make an informed decision on the option that is right for you.