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Explore your mortgage options

 

Variable Rate Mortgage

Designed to let you take full advantage of changing interest rates based on NLCU Prime.

 

Key features

  • Base rate is set based on market
  • Interest is charged each month, saving you money
  • Payments can be fixed for up to 2 years*
  • Option of making monthly payments based on an interest rate that is 1.5% higher than the variable mortgage base rate
  • Opting to make weekly or bi-weekly payments can save you thousands of dollars
  • Low-cost life, disability, and job loss insurance for single or joint coverage

* Interest may change from month to month depending on the market conditions.

 
 

Closed Mortgage

Designed to give you peace of mind that your mortgage rate and payments won’t change if interest rates rise.

 

Key features

  • Competitive rates
  • Optional weekly or bi-weekly payments can save you thousands of dollars
  • Choose a renewal term from 6 months to 7 years
  • Low-cost life, disability, and job loss insurance for single or joint coverage
  • Flexibility to choose between the ability to pay out your mortgage without penalty or to take advantage of a lower interest rate
  • Financing Available: 95% with CMHC/GE insurance
 
 

Energy-Efficient Mortgage

Designed to help you buy an energy-efficient home and earn potentially big energy savings.

 

Key features

  • Have the flexibility of extending the time required to repay your mortgage (up to 25 years)
  • Enjoy mortgage payments that are more affordable at an earlier stage in your life
  • You may qualify for a 10% insurance premium refund from Canada Mortgage and Housing Corporation (CMHC)

The Energy-Efficient Mortgage is made available in part through CMHC. For more details on how you can qualify, speak to one of our member service advisors.

 
 

FastTrack CASHBACK Mortgage

Designed to help you make your house a home more quickly. You can do whatever you want with your 5% cash back – renovate, buy furniture, take care of accumulated expenses. It’s up to you!

 

Key features

  • Get 5% cash back to use as you please
  • Flexible repayment options
  • Five-year closed term
  • Available for new and previously owned homes as well as turnkey constructions
 
 

Go from application to approval fast

 
 

See our latest stress-free mortgage rates

3 Year Closed Mortgage*

Special Rate

5.300

5 Year Closed Mortgage*

Special Rate

5.490

7 Year Closed Mortgage*

Special Rate

6.090
*Rates subject to change. Terms and conditions may apply.
 

Meet your local mortgage experts

Lindsay Turpin

Assistant Branch Manager, Member Service

Marsheline Davis

Member Service Advisor IV

Lisa Loveridge

Branch Manager, Member Service

Joanne Ballard

Assistant Branch Manager, Member Service

Jackie LeDrew

Member Service Advisor III

Dawn Oxford-Kirby

Member Service Advisor III

Tanya Sullivan

Assistant Branch Manager, Member Service

Rae Barnes

Member Service Advisor III

Katie Thornhill

Branch Manager, Member Service

Linda Bursey

Member Service Advisor III

Justin O'Keefe

Assistant Branch Manager, Member Service

Wendy Gillis

Member Service Advisor IV

Sara Young

Member Service Advisor IV

Natasha Canning

Branch Manager, Member Service

Michelle Dawe

Branch Manager, Member Service

Prashadi De Silva

Assistant Branch Manager, Member Service

Christa Skinner

Branch Manager, Member Service

Elizabeth Mills

Member Service Advisor III

Fallon Stringer

Member Service Advisor III

Jenny Alleway

Assistant Branch Manager, Member Service
 

Explore how much you can afford to borrow with our mortgage calculator.

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Unlock your home’s potential with a home equity loan

Your home can help you build the life you want. Tap into its equity to achieve your next goal – be it a home reno, a well-deserved vacation or paying off higher interest debt.

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Protect yourself against the unexpected

Life happens. Mortgage insurance is a low-cost safeguard that frees your family from mortgage payments if times get tough, saving them financial stress.