Mortgages
Limited Time Offer - Rates subject to change at any time.
5 Year Mortgage
from 5.04%*
7 Year Mortgage
from 5.39%
Embrace local knowledge and impact with your mortgage through a local credit union. "Bank like you live here" is more than our tagline—it's our promise. Choosing us means investing in our community's future while securing your own.
*must be CMHC insured
What do you need in your mortgage?
- Quick Mortgage Approval – The local advantage
- A Mortgage Made For You – each application is looked at individually
- Expert Advice – As your neighbour we will make sure we support your needs
- Mortgage Freedom… Faster – Prepay up to 20% of your mortgage annually
- Money Given Back to You – Patronage rewards are paid on most mortgages
Mortgage calculator
Our handy calculator helps you estimate how much you can afford to borrow, your payment schedule, and more.
Need help?
Ask our friendly, knowledgeable staff. They'll be happy to help answer your mortgage questions.
Please note that effective March 31, 2024, the Federal Government has discontinued the First Time Home Buyers Incentive (FTHBI) Program. Learn More Here >
First Time Home Buyer Mortgage
Overview
Our local mortgage specialists will be with you every step of the way. We will answer your questions and inform you of what to expect as you jump into the largest purchase of your life so far.
Great For
- Purchasing your first home
- Using your RRSP for the down payment
CreditMaster® Mortgage
Overview
- Choose variable rate, fixed rate, or combine both
- Re-advanceable so that you can borrow against the equity in your home
- Excellent prepayment options – prepay up to 20% annually
- No extra legal costs if you want to use the equity in your house for future purchases with the benefit of preferred pricing.
Great For
- Expert advice
- Members who want a flexible mortgage
- Members who don’t want to pay additional legal fees for future borrowings
- Have acquired more than 80% of the home's value in equity
- Use the equity for anything you may need; home renovations, a vacation, a timely investment. The options are endless
Construction Mortgage
Overview
If you're planning to build your dream home, we will help make that dream a reality. We offer land loans that can be included (up to 75%) in your construction mortgage, interest-only payments throughout the construction phase and flexible draw schedules with quick turnaround time on draws to not slow down the progress.
Great For
- Members who want local knowledge and vetted builders
- Timely draws to match your construction schedule
- We will ensure you are prepared for cost overruns
Cash Back Mortgage
Overview
Sometimes the perfect house comes with a not-so-perfect roof. Our Cash Back Mortgage offers 5% of the mortgage amount in cash on a 5-year term. The trade-off? You pay a little more on your interest rate.
Great For
- If you don't want to completely deplete your savings to pay for legal fees, appliances or necessary renovations
- You don't plan to break the term in the first 5 years
Mobile and Manufactured Home Mortgage
Overview
- financing available for mobile homes on leased land, and on owned land
- CSA approved single, double, or triple wide
- eligible for financing under CMHC guidelines
- de-registered mobile homes on owned land may be considered under standard mortgage guidelines
Great For
- If you plan to pay off your mobile home loan early and the home is on a rented pad, you will not pay the penalty as you would with a regular mortgage
- These mortgages can be CMHC insured, which reduces your down payment requirement
Recreational Property Mortgage
Overview
You work hard and deserve a get-away to your own piece of paradise. We will walk you through your options to purchase a recreational property.
Great For
- If you have the down payment saved for the new property
- The property is located in our service area
Land-Only Mortgage
Overview
Your dream home starts with the perfect plot of land. We will lend up to 75% of the land price and requires that you begin construction within 1 year. This land loan can then be converted to your construction mortgage to save you the additional payment.
Great For
- Members who plan to build a home on the land within a short time
- Members who are purchasing land that is serviceable and accessible by road
Ready to get set up?
Our CreditMaster® Mortgage helps you save money now and in the future. Whether you're looking to buy, refinance, renew or switch your mortgage to us, our local team will be happy to help you set up the solution you need.
Helpful Resources
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