Rates
Pre-Approval
Mortgage Types
Coaching
Payment Options

Home is Where Life Happens

The big moments. The everyday ones.

And all the changes in between.

With so much changing, it’s natural to have questions. Should you choose a fixed or variable rate? Should you lock in now or wait? What happens when it’s time to renew or if you want to switch lenders?

At Libro, your mortgage comes with a Coach who helps you make confident decisions every step of the way.

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Libro members, Lucila and daughter

Limited time offer!

Whether you’re buying, switching, or refinancing.

Whatever your next move looks like, we’re here to help you make it with confidence. With a Libro mortgage, you could receive up to $4,500 cash back to spend, along with personalized support from a Coach who’ll guide you every step of the way.

Plus, enjoy a free premium chequing account - a value of $1,500 - when you have a Libro mortgage.¹

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Table shows cash back amounts for mortgage amounts: $750 for $100k–$249,999, $1,500 for $250k–$499,999, $3,000 for $500k–$749,999, $4,000 for $750k–$999,999, $4,500 for $1M+.

See Our Competitive Rates

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3-Year High-Ratio Closed

Large blue text displays the percentage "4.09%" on a light gray background.

5-Year High-Ratio Closed

See All Rates
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"Libro makes me feel a sense of reassurance."

"I can look after my plans for the future, my renovations and my home farm while all of my financial needs are taken care of." - Lisa, Libro member

We believe home ownership is about more than just securing a mortgage - it's about building a future. That's why we go above and beyond, offering personalized coaching and expert guidance. Get started with a Coach today.

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Get Mortgage-Free Faster with Flexible Payment Options

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Double Up

Make an extra full payment on any regular payment day and put it directly toward your principal.

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Frequency

Biweekly, weekly, monthly, and accelerated payment options are available to find the frequency that works best for you.

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Annual Lump Sum

 Make a lump-sum payment of up to 20% of your original principal balance once each year, with no notice or penalty required.

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Payment Boost

Increase your regular mortgage payment by up to 20% each year to put more toward your principal.

Home Financing Advisors

Coaching to get you home

Meet Gagan. Gagan is one of our Home Financing Advisors, based right here in your community. Libro Coaching always starts with listening - taking the time to understand what matters to you. From there, it’s about working through your options together, answering your questions, and helping you move forward with a plan that fits your life.

Have questions or ready to get started? Find a Coach near you!

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Libro Coach, Gagan

Mortgage Pre-Approval Form

Your privacy and trust are important to us; we recommend you do not share any sensitive information (such as passwords, Personal Identification Numbers or Account Numbers) within this contact form.

Offer expires August 31, 2026. See libro.ca/mortgageoffer for full details.

¹Calculated on a 5-year term mortgage.