Lending Products
Residential Mortgage

Whether you are a first-time home buyer, looking to refinance, or are investing in a rental property, our Residential Mortgage provides you with the following benefits:

  • Access to a personalized relationship manager to understand your needs.
  • Favorable interest rates
  • Up to a 5-year term and amortization up to 25 years
  • Borrow up to 75% of the property value***
  • Variable interest rates (Fixed interest rates may be available)
  • Favorable terms for early repayment
Home Equity Lines of Credit (HELOC)

Our Home Equity Line of Credit (HELOC) can be used as an alternative to a residential mortgage. It is a personal line of credit that is secured against your residential property. If you want more control over your borrowing, then HELOC is the right product for you. Habib Canadian Bank’s Home Equity Line of Credit offers you the following benefits:

  • Better control over your borrowing
  • Pay interest on a monthly basis
  • No fixed monthly installments are required
  • This is a revolving credit product; this means you decide how many principle payments you pay to manage your cash flow
  • You can pay off the entire outstanding balance without any penalty
  • You can borrow up to 65% of the purchase price or market value***
Personal Loan – Secured

If your borrowing style is such that you would like to know exactly what your monthly payments are and when your loan will be paid off, then this is the right borrowing product for you. Habib Canadian Bank’s Personal Loan offers the following benefits:

  • You can take up to 5 years to pay it back
  • Manage your personal cash flow better knowing the exact amount of your monthly installments
  • Make extra payments at any time or pay off your loan early without a penalty
  • Feel confident knowing exactly when your loan will be paid off
  • Flexibility to secure your loan with a tangible asset such as cash balance in your term deposit account or secure it against the value of your property
  • Enjoy competitive interest rates
  • Access to a personalized relationship manager to take care of your financing needs.
Personal Line of Credit - Secured

The Habib Canadian Bank Personal Line of Credit is a revolving credit facility which helps you manage your personal cash flow on a day-to-day basis. It offers the following benefits:

    • Only pay interest on the money you borrow on your line of credit
    • Pay into your line of credit to reduce your balance without any penalty, and re-borrow when you need the funds
    • Flexibility to secure your line of credit with a tangible asset such as cash balance in your term deposit account or against the value of your property
    • Enjoy competitive interest rates
    • Access to a personalized relationship manager to understand your financing needs.