By RBC Mortgages - Chris Jamieson

08/11/2009 Manage Your Mortgage and Personal Credit under One Plan With the RBC Homeline Plan, you have access to our Royal Credit Line® and Royal Bank® mortgages all in one plan, which you can designate for different needs, including home renovations, a new car, a vacation or your child's education. Plus, it's a great way to save money by consolidating any existing debts in your line of credit, under a lower interest rate.

Put the Equity in Your Home to Work for You Through the RBC Homeline Plan, the money is yours to use any way you wish. As you pay down your mortgage balance(s), your primary Royal Credit Line limit automatically increases, providing you with access to additional credit whenever you need it.
And, you can easily access funds from your credit line through online banking, ATMs, any RBC® branch or by writing a cheque.
Split Your Mortgage between Fixed and Variable Rates The RBC Homeline Plan allows you to split your mortgage and enjoy the advantages of both variable and fixed rates! The variable portion lets you take advantage of potential long-term savings, while the fixed rate portion protects you if rates rise.
For example:

• 50% of your mortgage could be fixed for 5 years
• 50% of your mortgage could be in a 5-year variable rate mortgage

The RBC Homeline Plan account is a smart, easy way to manage all your personal credit-from your mortgage to outstanding balances on loans and lines of credit. Plus, you could save hundreds of dollars in interest charges!