(EN)
Canada - ENIt 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!
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.
Refer. Connect your clients with your preferred RBC mortgage specialist.
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*:
You can even:
Use your points to pay down a credit card balance
Use your points to contribute to investments
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® Real Estate Partner Appreciation is back for April 2025!
RBC Real Estate Partner Appreciation 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 collaboration and support.
We have some new and exciting additions to our Real Estate Partner Appreciation Month for 2025 as our way to say thank you!
As a valued partner of RBC, you are invited to join us for any of our virtual events.
To register for the event, please see details below:
| Details | Date / Time | Link | |
|---|---|---|---|
| RBC Global Asset Management: Global Economic Update with David Richardson |
Event Details: Speaker Details: Host: Speaker: |
April 15th Virtual Event |
Link Password: RBC2025 |
| CMHC –How adding units to homes can benefit the realtor, the homeowner, and the renter |
Event Details: Host: Speaker: |
April 22nd Virtual Event |
Link Password: RBC2025 |
What’s new for 2025?
As a valued member of the RBC Referral Awards program, and to show our appreciation for your ongoing collaboration, you will earn an additional 2,000 Avion Rewards™ points for ALL eligible closed mortgage referrals between April 1st, 2025 and June 30th, 2025.1
Real Estate Partner Appreciation Contest:
Finally, we are excited to introduce our 2025 Real Estate Partner Appreciation contest. Between April 1st, 2025 and June 30th, 2025, you can win one of 5 prizes of $1,000 for all closed mortgage referrals you make to your RBC Mortgage Specialist. Alternatively, you can enter the contest here.2
Please speak to your RBC Mortgage Specialist about local events that are happening in your area.
LEGAL:
1
Full rules and entry details at https://referralawards.rbc.com/index.php#contest.
2
No purchase necessary. Open to age of majority Canadian residents (excluding the province of Alberta). Starts April 1, 2025, at 12:00 AM ET and ends June 30, 2025, at 11:59 PM ET. 5 prizes available, each consisting of $1,000 CAD. Limit 5 entries per person. Limit 1 prize per person. Odds depend on number of eligible entries. Math skill-testing question required. Full rules and entry details at https://referralawards.rbc.com/index.php#contest.
Coming Soon!
Contest starts April 1st, 2025 – For full terms and conditions click here
OFFICIAL CONTEST RULES
CONTEST PERIOD:
The 2025 RBC Real Estate Partner Appreciation Contest (the “Contest”) begins on April 1, 2025 at 12:00 AM Eastern Time and ends on June 30, 2025 at 11:59 PM Eastern Time (the “Contest Period”).
AGREEMENT TO BE LEGALLY BOUND BY THESE RULES:
By participating in this Contest, you are signifying your agreement that you have read and agree to be legally bound by these Official Contest Rules (the “Rules”).
ELIGIBILITY:
The Contest is only open to residents of Canada (excluding the province of Alberta) who have reached the legal age of majority in their province/territory of residence at the time of entry, except employees, representatives or agents (and those with whom such persons are living, whether related or not) of Royal Bank of Canada (the “Sponsor”), its parent companies, subsidiaries, affiliates, prize suppliers, advertising/promotion agencies and any other individual or entity involved in the development, production, administration, or fulfillment of the Contest (collectively, the “Contest Parties”).
HOW TO ENTER:
No purchase necessary. To enter, go to https://referralawards.rbc.com/#events (the “Website”) and follow the on-screen instructions to:
- Obtain and fully complete the Official Entry Form (the “Entry Form”). You must fully complete the Entry Form with all of the required information and follow the on-screen instructions to submit your completed Entry Form.
Once you have provided all of the required information and completed all of the foregoing steps to enter (as determined by the Sponsor in its sole and absolute discretion), you will be eligible to receive an entry (an “ Entry”).
ALTERNATE METHOD OF ENTRY: To enter without having to complete the foregoing steps to enter, you must hand-print your first name, last name, email address, telephone number, full mailing address and a sentence describing “Why I want to enter the Contest ” on a piece of paper (8.5” x 11”) and mail it to: Attn: Carmen Cisterna RBC WaterPark Place 88 Queens Quay W, 10th Floor Toronto, ON M5J 0B6 (a “ Mail-in Request”). To be eligible, your Mail-in Request must be postmarked and received during the Contest Period. No mechanical reproductions permitted and each Mail-in Request must be mailed in a separate envelope bearing sufficient postage (e.g. mass Mail-in Requests in the same envelope will be void). Mail-In Requests become the property of the Sponsor and will not be acknowledged or returned. If your eligible Mail-in Request is received in accordance with these Rules (as determined by the Sponsor in its sole and absolute discretion), you will be eligible to receive one (1) Entry.
To be eligible, your Entry must be submitted and received in accordance with these Rules during the Contest Period.
ENTRY LIMIT:
There is a limit of 5 Entries per person during the Contest Period. If it is discovered by the Sponsor (using any evidence or other information made available to or otherwise discovered by the Sponsor) that any person has attempted to: (i) exceed any of the limits stated in these Rules; and/or (ii) use multiple names, identities, email addresses and/or any automated, macro, script, robotic or other system(s) or program(s) to enter or otherwise participate in or to disrupt this Contest; then they may be disqualified from the Contest in the sole and absolute discretion of the Sponsor. An Entry may be rejected if (in the sole and absolute discretion of the Sponsor): (i) the Entry is not submitted and received in accordance with these Rules during the Contest Period; and/or (ii) the Entry is not otherwise in compliance with these Rules (all as determined by Sponsor in its sole and absolute discretion). The Released Parties (defined below) are not responsible for late, lost, misdirected, delayed, incomplete or incompatible Entries or any other Contest-related information (all of which are void).
VERIFICATION:
All Entries and entrants are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and absolute discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor – including, without limitation, government issued photo identification): (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of any Entry or any other information submitted (or purportedly submitted) for the purposes of this Contest; and/or (iii) for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering this Contest in accordance with these Rules. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the Sponsor. The sole determinant of the time for the purposes of this Contest will be the Contest server machine(s).
PRIZES:
PRIZE DESCRIPTION
There will be 5 prizes (each, a "Prize"). Each Prize consists of:
- $1,000.00CAD, which must be accepted as awarded.
There is a limit of one (1) Prize per person.
PRIZE WINNER SELECTION PROCESS:
On July 9, 2025 ( "Selection Date") in Toronto, ON at 10:00 AM Eastern Time, five (5) eligible entrants will be selected by random draw from among all eligible Entries submitted and received in accordance with these Rules during the Contest Period and each such selected entrant will be deemed a potential Prize winner.
The odds of winning depend on the number of eligible Entries submitted and received in accordance with these Rules during the Contest Period.
WINNER NOTIFICATION PROCESS:
The Sponsor or its designated representative will make a minimum of 2 attempts to contact each potential Prize winner (using the information provided at the time of entry) within 2 business days of the Selection Date. If a potential Prize winner cannot be contacted within 2 business days of the Selection Date, or if there is a return of any notification as undeliverable; then they may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate potential Prize winner following the same winner selection procedure described above (with the necessary amendments), in which case the foregoing provisions of this section shall apply to such new potential Prize winner.
WINNER CONFIRMATION PROCESS:
BEFORE BEING DECLARED A CONFIRMED PRIZE WINNER, each potential Prize winner will be required to: (a) correctly answer a mathematical skill-testing question without mechanical or other aid (which may, in the sole and absolute discretion of the Sponsor, be administered online, by email or other electronic means, by telephone, or in the Sponsor’s form of declaration and release); and (b) sign and return within three (3) business days of notification the Sponsor’s declaration and release form, which (among other things): (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the Prize (as awarded); (iii) releases the Contest Parties and each of their respective officers, directors, employees, agents, representatives, successors and assigns (collectively, the “Released Parties”) from any and all liability in connection with this Contest, their participation therein and/or the awarding and use/misuse of the Prize or any portion thereof; and (iv) agrees to the publication, reproduction and/or other use of their name, address, voice, statements about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner or medium whatsoever, including print, broadcast or the internet. If the potential Prize winner: (a) fails to return the properly executed Contest documents within the specified time; (b) cannot accept (or is unwilling to accept) the Prize (as awarded) for any reason; (c) fails to correctly answer the skill-testing question; and/or (d) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then they may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate potential Prize winner following the same winner selection procedure described above (with the necessary amendments), in which case the foregoing provisions of this section shall apply to such new potential Prize winner. The Sponsor will have final discretion in selecting the winner in the event of a tie or for any other reason.
GENERAL CONDITIONS:
All Entries become the property of the Sponsor. This Contest is subject to all applicable federal, provincial and municipal laws. The decisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal, including, without limitation, any decisions regarding the eligibility/disqualification of Entries and/or entrants. ANYONE DEEMED BY THE SPONSOR TO BE IN VIOLATION OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME.
The Released Parties will not be liable for: (i) any failure of any website during the Contest; (ii) any technical malfunction or other problems of any nature whatsoever, including, without limitation, those relating to the telephone network or lines, computer on-line systems, servers, access providers, computer equipment or software; (iii) the failure of any Entry or other information to be received, captured or recorded for any reason whatsoever, including, but not limited to, technical problems or traffic congestion on the internet or at any website; (iv) any injury or damage to an entrant’s or any other person’s computer or other device related to or resulting from participating in the Contest; and/or (v) any combination of the above.
Without limiting the generality of the foregoing, by participating in the Contest, each entrant releases the Released Parties from any and all liability in connection with this Contest and their participation therein.
In the event of a dispute regarding who submitted an Entry, the Sponsor reserves the right, in its sole and absolute discretion, to require any individual who purports to be the entrant that submitted the Entry in question to provide proof to the complete satisfaction of the Sponsor (as determined by the Sponsor in its sole and absolute discretion) of being the entrant that submitted such Entry. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification (as determined by the Sponsor in its sole and absolute discretion).
The Sponsor reserves the right, in its sole and absolute discretion, to withdraw, amend or suspend this Contest (or to amend these Rules) in any way, in the event of any cause beyond the reasonable control of the Sponsor that interferes with the proper conduct of this Contest as contemplated by these Rules, including, without limitation, any error, technical problem, computer virus, bugs, tampering, unauthorized intervention, fraud or technical failure. Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest in any way (as determined by Sponsor in its sole and absolute discretion) is a violation of criminal and civil laws and should such an attempt be made, the Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law. The Sponsor, in its sole and absolute discretion, reserves the right to cancel, amend or suspend this Contest, or to amend these Rules, in any way without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind, or for any other reason whatsoever. Without limiting the generality of the forgoing, the Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems appropriate based on the circumstances and/or to comply with applicable law.
By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted with their Entry only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at: http://www.rbc.com/privacysecurity/ca/our-privacy-policy.html ).
This section does not limit any other consent(s) that an individual may provide the Sponsor or others in relation to the collection, use and/or disclosure of their personal information.
The Sponsor reserves the right, in its sole and absolute discretion, to adjust any of the dates, timeframes and/or other Contest mechanics stipulated in these Rules, to the extent necessary, for purposes of verifying compliance by any entrant or Entry with these Rules, or as a result of any technical or other problems, or in light of any other circumstances which, in the opinion of the Sponsor, in its sole and absolute discretion, affect the proper administration of the Contest as contemplated in these Rules, or for any other reason.
In the event of any discrepancy or inconsistency between the terms and conditions of these English Rules and disclosures or other statements contained in any Contest-related materials or website(s), including, but not limited to: and entry form, French version of these Rules, and/or point of sale, television, print or online advertising; the terms and conditions of these English Rules shall prevail, govern and control to the fullest extent permitted by law.
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 connect with your Mortgage Specialist for assistance.
Sign up today to start earning Avion points on your eligible mortgage referrals.
Have questions about the program? Connect with your RBC Mortgage Specialist
Eligible realtors in the Province of Alberta may only enroll in the RBC Referral Awards Program as Non-Points Members.
®/™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
*
To be eligible to enroll in the RBC Referral Awards Program (“Program”) you must be a Canadian resident and is either (i) working as a duly licensed real estate agent anywhere in Canada (ii) builder, builder’s agent, representative or employee who has enrolled in the Program and meets all the Program’s eligibility requirements in accordance with applicable laws, or (iii) an insurance broker, independent financial planner/advisor, lawyer 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, and who meets all the Program’s eligibility requirements, as well as any other Eligible Participant as determined solely by Royal Bank from time to time, who has enrolled in the Program and meets all the Program’s eligibility requirements in accordance with applicable laws and/or the Eligible Participant’s respective industry, professional and regulatory requirements and obligations
Eligible Participants can elect to enroll as either a “Points Member” or a “Non-Points Member” (except in Alberta where Participants may only enroll in the Program as Non-Points Members). To enroll as a Points Member, an Eligible Participant must either: (i) be a Primary Applicant or a Co-Applicant on a Personal Credit Card Account, (ii) be a Primary Account Owner or a Joint Account Owner of a Personal Deposit Account, or (iii) have a Card on a Business Credit Card Account and have redemption rights over the Points in the Rewards Account tied to their Card, as per the “Points Ownership” section of the Avion Rewards Terms and Conditions. Authorized Users are not eligible to be a Points Member in the Program. As a Points Member, the Avion Rewards Terms and Conditions also apply and can be found at avionrewards.com/terms-and-conditions. Other conditions apply. Program may be amended at any time or terminated upon notice. Complete terms and conditions, including defined terms, are available upon enrollment in the Program. Employees of Royal Bank, its subsidiaries or its affiliates are not eligible to enroll in the Program.
Eligible Participants can elect to enroll as either a “Points Member” or a “Non-Points Member” (except in Alberta where Participants may only enroll in the Program as Non-Points Members). To enroll as a Points Member, an Eligible Participant must either: (i) be a Primary Applicant or a Co-Applicant on a Personal Credit Card Account, (ii) be a Primary Account Owner or a Joint Account Owner of a Personal Deposit Account, or (iii) have a Card on a Business Credit Card Account and have redemption rights over the Points in the Rewards Account tied to their Card, as per the “Points Ownership” section of the Avion Rewards Terms and Conditions. Authorized Users are not eligible to be a Points Member in the Program. As a Points Member, the Avion Rewards Terms and Conditions also apply and can be found at avionrewards.com/terms-and-conditions. Other conditions apply. Program may be amended at any time or terminated upon notice. Complete terms and conditions, including defined terms, are available upon enrollment in the Program. Employees of Royal Bank, its subsidiaries or its affiliates are not eligible to enroll in the Program.
1
To qualify for this offer, an Eligible Participant must have an RBC Referral Awards account in good standing, and enrolled as a Points Member. This Offer is in addition to any Recognition earned by you under the Referral Awards Program for the referrals. Offer may be changed, withdrawn or extended at any time, without notice. Offer not available to Alberta members.
All defined terms not otherwise defined in this document are as defined in the RBC Referral Awards Terms & Conditions Non-Quebec, or RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Quebec, as applicable.
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