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It pays to team up with RBC

As an eligible professional* in our client’s home buying journey, sign up for the RBC Referral Awards program and you could receive Avion® points on your Avion Rewards credit card or your RBC bank account* for every eligible mortgage referral* plus access to our team of mobile mortgage specialists who can help you build your business and provide differentiated advice and experience.

Earning your Rewards is easy!

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Register. Go to referralawards.rbc.com to enroll using your email address or through RBC Online Banking if you have an RBC Client Card. You will receive a Personal ID code that can be used for your referrals.

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Refer. Connect your clients with your preferred RBC mortgage specialist.

Rewards

Rewards. Get rewarded with Avion points credited to the Rewards Account tied to your Avion Rewards credit card or to your RBC bank account for every qualified mortgage referral.

Not a points collector? No problem. You can sign up as a non-points participant and be rewarded with access to exclusive virtual and in person events and experiences throughout the year.

Don't forget: Every time you refer a client to RBC, you must disclose that you are a member of the RBC Referral Awards program and that both of you will benefit from a successful referral.

How to Earn Points

Once enrolled in the program you are tracked on every qualified mortgage referral as either a point member or non-point member participant.

Your rewards will GROW with your referrals!

All Provinces excluding Quebec and Alberta:

Partner Level Number of Fully Advanced Qualified Mortgage Referrals Points Earned per Fully Advanced Qualified Mortgage Referral
Key Partner 1-4 10,000
VIP Partner 5-11 16,000
Elite Partner 11+ 20,000

Province of Quebec only:

Partner Level Number of Fully Advanced Qualified Mortgage Referrals Points Earned per Fully Advanced Qualified Mortgage Referral
Key Partner 1-6 8,000
VIP Partner 7-12 14,000
Elite Partner 13+ 18,000

Your Partnership level in the program will be based on the number of Fully Advanced Qualified Mortgage Referrals in the previous twelve (12) months period and is re-evaluated each month, as follows:

  • As soon as you enroll in the Program, the initial twelve (12) months period starts. If you enrolled in the Program in September 2022, the initial Period applicable to the COI will be from September 2022 to August 2023

How will you use your points?

Are you the type to browse the catalogue regularly to spend those well-deserved points that are burning a hole in your virtual pocket? Or do you save them up for that one big ticket item or trip you’ve always wanted? Either way, it’s your choice.

Redeem your Avion points for*:
Rewards

Brand name merchandise

Apple

Apple or Best Buy products through our online catalogue

Cart

Gift cards from your favourite retailers

Travel

Travel experiences

You can even:
Credit cards

Use your points to pay down a credit card balance

Investments Chart

Use your points to contribute to investments

Ccashback

Make a difference by donating your points to a charity

Your Avion points will also let you shop the latest brand-name products, electronics, kitchen gadgets, and fashion. Plus, the total points you redeem cover the taxes and shipping.

Visit https://www.avionrewards.com/index.html to learn more.

We want to see your business grow.

You work hard to help your clients get into their perfect home and your reputation is important, so you need to be confident that you have a mortgage specialist that will exceed your expectations with every referral – not just at the purchase phase, but throughout their entire home ownership journey.

Whether you’re looking for advice on reliable financing solutions, or new marketing opportunities, your RBC mortgage specialist can help you build your business.

With RBC you’ll get:

  • High quality referrals
  • Access to resources and training webinars
  • Firm, fast approvals
  • Co-branded marketing opportunities
  • Innovative tools and programs
  • A dedicated AMS (Alternate Mortgage Solutions) program for your clients who may not meet the standard lending criteria.
RBC

The RBC Royal Bank Alternate Mortgage Solutions (AMS) Program

Finding more ways to say “Yes” and close the deal.

The AMS team is a group of professionals within RBC Royal Bank committed to helping clients who don’t currently meet standard lending criteria.  Over the years, we have helped thousands of clients finance their home through the AMS program.

  • The AMS program is a unique program offered by RBC Royal Bank and is an extension to our home equity financing solutions.
  • The program strengthens our Real Estate Agent collaborations by creating a one-stop-funding source for Real Estate Agents.
  • The program provides Real Estate Agents’ clients with access to a strong and diverse portfolio of reputable alternate lenders across Canada.
  • Many customers later return to RBC Royal Bank for home equity financing.

KEY BENEFITS

  • No RBC fees paid by client
  • Reputation you can trust
  • One-stop shop at RBC
These are some of the situations where the AMS team can help:
  • Bruised or challenged credit
  • Consumer proposal/bankruptcy
  • Construction financing
  • CRA arrears
  • Expanded debt service ratio
  • Insured mortgages
  • Refinancing
  • Second mortgages
  • Self-employed/stated income
  • Separation and divorce

Contact your RBC® mortgage specialist for details.

RBC® Real Estate Partner Appreciation Week is back!
March 27th – 31st

RBC Real Estate Partner Appreciation Week is all about you! We recognize the important role you play in our mutual clients’ home buying journey, so we are taking this opportunity to give a heartfelt thank you for your ongoing partnership and support. We look forward to continuing to work together to help our clients find a house they will call home.

As a valued member of the RBC Referral Awards program, you are invited to join us for any or all of the following exclusive virtual events:

  Details Date / Time Link
RBC Global Asset Management: Global Economic Update with David Richardson
(English Event)

Event Details:
This presentation will provide a review of global economic conditions that will impact the Canadian economy, interest rates and housing.

Speaker Details:
David Richardson has been with RBC for more than 30 years. Over the past 26 years, he has worked at Canada’s largest investment manager, RBC Global Asset Management, where he is currently Vice President & Head, Enterprise Distribution Strategy. David and his team support

RBC’s nearly 10,000 licensed investment advisors, helping them guide their investment customers to reach their financial goals.

Host:
Mike Linehan - National Head - Mortgage Specialists, RBC

Speaker:
Dave Richardson - VP & Head, Enterprise Distribution Strategy, RBC

March 27th
2:00pm – 3:30pm EST

Virtual or In-Person Event

Link
Lorsque le marché immobilier ralentit au Canada, tournez-vous vers le sud.

 

When the real estate market slows in Canada, look south
(French Event)

Event Details:
Join us as our panel of experts speak to the benefits of helping your Canadian clients buy U.S. real estate. With speakers from RBC Bank (U.S.), CREA Global, Tax & Legal and more, we’ll share valuable insights on how realtors can expand their business south of the border. This virtual event will cover the process for Canadians to purchase and refinance U.S. real estate, and with Canadian real estate prices still sky high, you don’t want to miss this session.

Host:
Giovanna Francavilla - Regional Vice President, Mortgage Specialists – Quebec

Speaker:
Featuring Expert Speakers from RBC Bank (U.S.), CREA Global, Tax & Legal and more

March 28th
11:00am – 12:00pm EST

Link
When the real estate market slows in Canada, look south
(English Event)

Event Details:
Join us as our panel of experts speak to the benefits of helping your Canadian clients buy U.S. real estate. With speakers from RBC Bank (U.S.), CREA Global, Tax & Legal and more, we’ll share valuable insights on how realtors can expand their business south of the border. This virtual event will cover the process for Canadians to purchase and refinance U.S. real estate, and with Canadian real estate prices still sky high, you don’t want to miss this session.

Host:
Sabrina Ismail - Regional Vice President, Mortgage Specialists - BC West

Speaker Details:
Featuring Expert Speakers from RBC Bank (U.S.), CREA Global, Tax & Legal and more

March 28th

2:00pm – 3:00pm EST

Link
Alternate Lending National Panel
(English Event)

Event Details:
Join us and our expert panel for an interactive conversation that will cover what the alternate lending market is, what the challenges and opportunities are, and how realtors can leverage alternate lending resources to help their clients.

Host:
Carol Parise, National Director Alternate Mortgage Solutions, RBC

Speaker:
Featuring Expert Speakers from Alternate Mortgage Solutions, RBC Senior Mortgage Specialist, Real Estate Professional from Buying Homes in London – Sutton Group Preferred Realty, Home Trust, and Equitable Bank.

March 29th
11:00am – 12:00pm EST

Link
Comité national de solutions de financement de remplacement

Alternate Lending National Panel
(French Event)

Event Details:
Join us and our expert panel for an interactive conversation that will cover what the alternate lending market is, what the challenges and opportunities are, and how realtors can leverage alternate lending resources to help their clients.

Host:
Giovanna Francavilla, RVP of Mortgage Specialists, Québec, RBC – Moderator

Speaker:
Featuring Expert Speakers from Alternate Mortgage Solutions, RBC Senior Mortgage Specialist, Real Estate Professionals from The Mylie Group, Home Trust, and Equitable Bank.

March 30th
11:00am – 12:00pm EST

Link
Fireside Chat with Kevin Lee, CEO – Canadian Home Builders Association
(English Event)

Event Details:
Join us for a fire side chat on how RBC is partnering with the Canadian Home Builders Association to support Canadian’s purchasing New Homes in Canada

Host:
Lenette Birdsell - Senior Director, National Builder Markets, RBC

Speaker:
Kevin Lee, CEO – Canadian Home Builders Association

March 31
2:00pm – 3:00pm EST

Link

For a limited time, you could earn an additional 30,000 or 60,000 Avion points1

As a thank you for your continued business, you could earn an additional 30,000 Avion points for 4 referrals that are determined by RBC to be Qualified Mortgage Referrals or an additional 60,000 Avion points for 6 referrals that are determined by RBC to be Qualified Mortgage Referrals made between February 27 and May 26, 2023.1

As always, your RBC Mortgage Specialist is here to help – don’t hesitate to get in touch to learn more about how we can help you build your real estate business.

Legal Disclaimers

Personal lending products and residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria.

All defined terms not otherwise defined in this document are as defined in the RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Non-Quebec, or RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Quebec, as applicable.

Frequently Asked Questions

Eligibility

Canadian residents that work as a duly licensed real estate agent in Canada; or are an employee of a builder, an Insurance Broker, Independent Financial Planner/Advisor, a Lawyers, or Accountant, except in Quebec, where you must be a Canadian resident and who is working as a duly licensed real estate agent in Quebec in accordance with the provincial legislation in place.

Please see Terms and Conditions for full details. Or contact an RBC Mortgage Specialist for clarification.

You can earn points on qualified mortgages. A Qualified Mortgage includes a mortgage in respect of a purchase or a switch/transfer of a mortgage from another financial institution to Royal Bank. See the RBC Referral Awards Terms and Conditions for details.

Yes, mortgages that are processed through an RBC alternate mortgage specialist are also eligible for our Referral Awards program. You will receive points or non-points recognition, depending on your type of membership in the program, for these referrals.

Your Account

You can access your Personal Referral Awards Account by logging into the program portal using Online Banking Authentication (if you have an RBC client card) or using the email address you used to sign into the program.

Yes, there are two type of members in the program:

  • Points member – is an eligible participant who earns Avion® points recognition for every qualified mortgage referral.
  • Non-points member – is an eligible participant who may receive recognition, other than Avion® points, under the Program such as invitations to participate in various activities and exclusive events.

Avion Rewards

Click here to apply for an Avion Rewards credit card and start earning Avoin® points for every qualified mortgage referral.

Please note that eligible cards for the Program are those Avion Rewards credit cards that are eligible to earn Avion points. Co-brand credit cards, such as WestJet, British Airways and Cathay Pacific credit cards, cashback credit cards and commercial credit cards are not eligible for the Referral Awards Program.

Eligible Avion Rewards credit card accounts include any business or personal credit card that allows you to earn Avion® points as follows:

  • RBC® Avion® Visa Infinite Privilege‡
  • RBC Avion Visa Infinite Privilege for Private Banking
  • RBC Avion Visa Infinite
  • RBC Avion Visa Platinum
  • RBC Rewards Visa Preferred
  • Signature® RBC Rewards Visa
  • RBC Rewards+™ Visa
  • RBC U.S. Dollar Visa Gold
  • RBC Avion visa Business
  • RBC Avion Visa Infinite Business‡
  • RBC Royal Bank Visa‡ CreditLine for Small Business ("CLSB")
  • RBC ION Visa
  • RBC ION+ Visa

Note: Commercial credit cards, Cashback and Co-Brand credit cards are not eligible.

If you’re already enrolled in Online Banking, just select “Open New Account”, located next to the Bank Accounts heading in the centre of the page.

If you aren’t enrolled in Online Banking, please visit Find the Right Account. You’ll be able to see all the accounts available to you and/or open a new account from the same screen.

You can also visit a branch or contact our Advice Centre at 1-800-769-2511 to get assistance to open a banking account.

The following RBC bank accounts are eligible to be enrolled in the Referral Awards program:

  • RBC Day to Day Banking
  • RBC Advantage Banking (includes RBC Advantage Banking for students)
  • RBC Signature No Limit Banking
  • RBC VIP Banking
  • RBC No Limit Banking (discontinued)
  • RBC Student Banking (discontinued)
  • RBC No Limit Banking for Students (discontinued)
  • RBC Day to Day Savings
  • RBC Enhanced Savings
  • RBC High Interest eSavings

If you are a Points Member, you can redeem Avion points online at https://www.avionrewards.com

Tax Questions

Your SIN number is a mandatory field if you are a Points Members to ensure accuracy in annual tax reporting for applicable taxation years during which Points are awarded.

Yes, any Points awarded under the Program for qualified mortgage referrals are considered taxable income. Participants will be issued a tax slip (T4A) that reports the value of such taxable income for applicable taxation years during which Avion® points are awarded.

All participants must consult with their personal tax advisor(s) regarding tax implications and are responsible for reporting this information for tax purposes. Any personal federal and/or provincial tax liability arising from the award of Avion® points is the participant’s responsibility.

Miscellaneous

If you have forgotten your password, simply click the “Forgot Password” link in the login screen.

The system will request your email address. Enter your email address and click “Request a Validation Code”. Enter the validation code that is sent by email and press Submit.

The system will allow you to enter and confirm your new password on the screen.

If you forgot your RBC Online Banking password or need to change your password, please go to your Online Banking sign in page  and reset your password online by selecting “Reset Your Password” on the Sign In page

No, Avion® points will not be awarded for referrals made prior to enrolment.

If you have any further questions or are experiencing technical difficulties, please contact us at referralawards@rbc.com

MyDoh

Mydoh: A Money Management App for Kids & Teens

Get Mydoh and extend your trial period for 3 months to start your kids’ smart money journey!*

MyDoh App

Why Mydoh?

Did you know that 46% of Canadian parents felt they had to unlearn unhealthy financial habits, and felt they lacked the discipline or know-how to build a financially educated household?1

Helping children develop good money habits early in life is a great way to help them achieve the life they want.

That’s where Mydoh comes in.

Mydoh makes it easy to help your kids develop smart money habits. They can earn, save and spend with the Mydoh app and Smart Cash Card1, and you get to keep an eye on things.

How Mydoh Helps You & Your Teens:

  • Assign tasks and chores to help your teens learn the value of earning money
  • Set up an allowance for your teens
  • Your kid will get their own physical and digital Smart Cash Card that they can use to make purchases anywhere that VISA is accepted2. You can track their transactions to help them manage money
  • See your teens’ spending activity, and react to their transactions using emojis, all in real time
  • You can easily lock (and unlock) your teens’ Smart Cash Card in just one tap

1 Per Mydoh Financial Literacy Survey, 2022

How to get started:

  1. Download Mydoh from the App Store or Google Play
  2. Use Promo code AWARDS3
  3. Add funds to your Mydoh account3
  4. Invite your child (ages 6-18) to the app

Extended trial period for the first three months, and just $2.99 per month thereafter. Offer expires April 30th, 2024

Additional Support

To learn more about Mydoh please visit: Mydoh | Money Management App for Parents, Kids & Teens)

To read more about Mydoh and our Frequently asked questions, please visit: Frequently Asked Questions (FAQ) | Mydoh

Legal Disclaimer

1Mydoh Smart Cash Card is a physical and digital reloadable Visa Prepaid Card, issued by Royal Bank of Canada. For full card terms and conditions visit https://www.mydoh.ca/rbc-terms.

2Your Smart Cash Card can be used to pay for purchases online or in-store anywhere Visa contactless (tap) is accepted. Subject to allowable limits. Visit this page to learn more about allowable limits: https://www.mydoh.ca/faq/mydoh-smart-cash-card/using-the-mydoh-smart-cash-card/are-there-limits-to-my-childs-mydoh-smart-card/.

If applicable, a foreign currency conversion fee may apply for transactions made in a foreign currency. You are responsible for all costs, fees, data plans and related charges related to your mobile device.

3You must add a minimum of $1 to your Mydoh Wallet, up to a maximum of $500 per day (monthly maximum is $1,500).

4Based on market capitalization.

All other marks are the property of their respective owners.

*  When you download the Mydoh app for the first time between November 1st, 2023 and April 30th, 2024 (“Offer Period”) and enter the promo code “AWARDS3” during the onboarding process, you will not get charged the subscription fee for three months from the time you completed the sign-up process (“Offer”). You will see the Offer reflected in your subscriptions tab in settings. Offer is non-transferable and is only available to the member of the RBC Referral Awards program who has not previously signed up for Mydoh prior to the start of the Offer Period. One Offer per Mydoh user. Offer may be modified or withdrawn at any time.  Offer not combinable with other offers.

Sign up today to start earning Avion points on your eligible mortgage referrals.

Have questions about the program? Email us or connect with an RBC Mortgage Specialist