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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 RBC Rewards® points on your RBC Rewards credit card* for every qualified 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!

  • DesktopRegister. Complete the sign up process today and we’ll send you a Personal ID code.
  • SwitchRefer. Connect your clients with your preferred RBC mortgage specialist.
  • RewardsRewards. Get rewarded with RBC Rewards points on your RBC Rewards credit card for every eligible referral.

Not a points collector? No problem. You can sign up as a non-points participant and be rewarded with access to exclusive 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.

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
  • Various mortgage and financial solutions to best suit your clients

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 RBC Rewards points for*:

Brand name merchandise


Apple or Best Buy products through our online catalogue


Gift cards from your favourite retailers


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


Make a difference by donating your points to a charity

Your RBC Rewards 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 to learn more.

Frequently Asked Questions


Canadian residents that either work as a realtor in Canada; or are an employee of a builder approved by RBC, 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 the email address you used to sign into the program.

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

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

RBC Rewards Credit Card

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

Please note that eligible cards for the Program are those RBC Rewards credit cards that are eligible to earn RBC Rewards 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.

If you are a Points Member, you can redeem RBC Rewards points online at

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 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 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 Points is the participant’s responsibility.


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.

No, 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

Support for OREA Members

Many of us have been impacted by our changing environment, whether experiencing disruption to our days and routines, or financial hardship. In times of crisis, it’s important to come together as a community to support one another, and on behalf of RBC, we want you to know we’re here to help.

How RBC can help

RBC has a number of programs that may be able to help you personally as well as your business.

  • Personal clients could get access to immediate and longer term relief if you are facing challenging circumstances. The RBC Client Relief Program offers a number of temporary relief options1.
  • Business clients affected by the COVID-19 disruption may also have access to a number of relief solutions. The needs of business clients are assessed on a case-by-case basis to provide solutions that are tailored to their circumstances.
  • If you are looking for investment advice and planning tools the RBC Financial Planning site has the resources you need.
  • For specific information to help you navigate the many headlines, visit our website for everything related to the impacts of COVID-19.

Speak with an RBC Advisor for more information about the options that may be available to you.

Webinars created specifically with OREA Members in mind.

We do not currently have any future webinars scheduled, but to view past webinars, click on the webinar titles below. Each webinar is between 30-60 mins.

Webinar Title Description FAQs
Ontario Real Estate & Economic Update
Together, as we navigate the impact and challenges of the COVID-19 crisis, and begin to consider emerging forward, RBC presents an opportunity to hear from Robert Hogue, RBC Senior Economist. Join us as Robert discusses the economic impacts of COVID-19, how it is impacting the real estate market and what you should know to better prepare your business, clients and yourself.
Coming Soon
COVID-19 Relief Programs for Brokers
To help you navigate the federal and provincial government subsidies, loans and other programs during COVID-19, a panel of professionals from KPMG will share the latest developments, eligibility details and other requirements to help you understand which programs can work best for you, your organization and your employees.
Coming Soon
COVID-19 and Your Investments
Amidst these challenging times, it’s more important than ever for investors to have direct access to timely investment and market insights. RBC Global Asset Management (RBC GAM) invites you to hear directly from David Richardson, VP & Head, Enterprise Distribution Strategy, RBC Global Asset Management, on today's economic landscape, including market and economic perspectives.
Coming Soon
Incorporation 101 for Real Estate Professionals
Recent developments with the Trust in Real Estate Services Act, 2019 have proposed the ability for REALTORS to incorporate a business and be paid through their corporation. Join Anna Abbruzzese, President, Actium Consulting to learn more about incorporating a business, the benefits, challenges, as well as tax implications to consider when this law comes into effect. You’ll also get to hear from the team at Ownr – a service that is simplifying and reducing the costs associated with formally launching a business in Ontario.
Coming Soon


1 While some of these options may be available to you, they may increase your interest costs or your outstanding principal balance over the life of your loan or increase the outstanding balance on your credit card during the relief period, if applicable. You should carefully evaluate your financial situation and priorities before exercising any of these options to the extent they are available to you. The RBC Client Relief Program is subject to change and is available for a limited time with some options available only for a limited period of time.

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

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