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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

  • Competitive interest rates
  • Optional weekly or bi-weekly payments can save you thousands of dollars
  • Low-cost life, disability, critical illness and job loss insurance for single or joint coverage
  • Amortization available up to 35 years**
  • Up to 95% financing available with CMHC or Sagen insurance

* NLCU prime rate is an annual variable rate of interest. This rate may change at any time without notice.
** Certain conditions apply.

 
 

Closed Mortgage

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

 

Key features

  • Competitive interest 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, critical illness and job loss insurance for single or joint coverage
  • Amortization available up to 35 years** 
  • Up to 95% financing available with CMHC or Sagen insurance
* Minimum term of 5 years on construction mortgages.
** Certain conditions apply.
 
 

Energy-Efficient Mortgage

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

 

Key features

  • Competitive interest rates
  • Variable or fixed interest rate options
  • 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, critical illness and job loss insurance for single or joint coverage
  • Amortization available up to 25 years **
  • Up to 95% financing available with CMHC or Sagen insurance
  • You may qualify for a 25% insurance premium refund from Canada Mortgage and Housing Corporation (CMHC)
  • For more details on how you can qualify, speak to one of our Member Service Advisors.

* Minimum term of 5 years on construction mortgages
** Certain conditions apply

 
 

FastTrack CASHBACK Mortgage

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

 

Key features

  • Choose 3%, 4% or 5% cash back on your mortgage
  • Peace of mind that your mortgage rate and payment won’t change during the term of your mortgage if interest rates rise.
  • Competitive rates
  • Optional weekly or bi-weekly payments can save you thousands of dollars
  • Amortization available up to 35 years*
  • Up to 95% financing available with CMHC or Sagen insurance
  • Five-year closed term available only
  • Available for new and previously owned homes as well as turnkey constructions
  • Low-cost life, disability, critical illness and job loss insurance for single or joint coverage
* Certain conditions apply.
 
 

Go from application to approval fast

 
 

See our latest stress-free mortgage rates

3 Year Closed Mortgage*

Special Rate

5.790

5 Year Closed Mortgage*

Special Rate

5.540

7 Year Closed Mortgage*

Special Rate

5.650
*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

Emily Vardy

Member Service Advisor

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

Chantal Welsh

Business Centre Branch Manager
 

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.