Your mortgage is the biggest payment you make each month — and until now, it's never earned you anything. With Chexy, you pay it from the chequing account you already use and earn 1 Aeroplan point for every $1.

Mortgage payments on Chexy are set up as a recurring monthly payment — you set it up once, and it runs each month on your usual payment day. Here's an example using a $2,500 monthly mortgage payment:

This is the part most people miss.

Aeroplan points get you the trip. Status Qualifying Credits (SQC) get you the status — priority boarding, free checked bags, upgrades, lounge access.

Every mortgage payment through Chexy earns you both. You get 1 SQC for every 5 Aeroplan points you earn.

So a mortgage payment you were already making becomes real status progress:

And this stacks. Your mortgage, your rent, your bills, your taxes — every eligible Chexy payment adds to the same total.

The details: You can earn up to 25,000 SQC per calendar year in the Everyday Partners category. Only base points count toward the SQC rate.

No. Here's exactly what stays the same:

Mortgage payments can only be funded from a chequing account. Credit cards are not eligible for mortgage payments through Chexy.

This is different from rent and bill payments on Chexy, where you can use a credit card. For mortgages, the payment must come from a chequing account — but you still earn 1 Aeroplan point per $1 paid.

Yes. Mortgage payments are chequing-account-only, but rent, utilities, taxes and other eligible bills on Chexy can still be paid with a credit card as usual. Everything lives in the same Chexy account.

Chexy charges a 1.75% fee on your mortgage payment amount. On a $2,500 payment, that's $43.75.

The fee is collected at the same time as your mortgage payment, in a single withdrawal from your chequing account.

Please note: Your Aeroplan number must be linked to your Chexy account before your payment completes in order to earn on it. Payments made before your Aeroplan account is linked are not eligible.

Practically all of them. Because Chexy pays your lender from your chequing account, we're not dependent on your lender having a relationship with us — which is why coverage is so broad.

Canada's major lenders

If your mortgage is with one of the country's primary lenders, Chexy supports it. That includes the big banks, credit unions, trust companies, and monoline lenders — RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins, Tangerine, Simplii, Equitable Bank, First National, MCAP and many more.

These are the institutions CMHC designates as Approved Lenders under the National Housing Act. You can see the full list on CMHC's website.

Newer digital lenders

Chexy also supports the newer online mortgage lenders that many Canadians have moved to, including Wealthsimple, Pine, and Neo Financial.

Don't see your lender? The lists above aren't exhaustive. If your lender accepts pre-authorized debit from a chequing account — and nearly all do — Chexy can almost certainly pay it. Set up your payment at chexy.co/mortgage, or reach out to us and we'll confirm.

Yes. If you're not already an Aeroplan Member, you can join for free at Aeroplan.com, then link your Aeroplan number in your Chexy dashboard.

Make sure the last name on your Chexy account matches your Aeroplan account exactly — the system is case-sensitive.

Points are awarded once your mortgage payment is complete in our system. After Chexy awards them, it can take up to 60 days for them to appear in your Aeroplan account.

Track your progress on the Aeroplan page in your Chexy dashboard. Your official points balance and SQC progress are visible when you log in at aircanada.com/aeroplan.