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CHOOSE THE RIGHT MORTGAGE FOR YOU
Whether fixed or variable, open or closed, you'll find the perfect fit.
Buying Your First Home
Buying a home is an extraordinary adventure that comes with a lot of questions. You don’t have to figure out your plan alone. We're here to help.
Buying Your Next Home
Buying your second home is kind of like having a second child; you already know what to expect because you've done it once but there are some significant differences. Let's walk through those together.
Renewing or Switching
Your mortgage may have been a perfect fit five years ago, but then again, so was your bathing suit. Let's find the mortgage that's the right fit for you today.
Mortgage Features
Flexible Schedule
Choose a payment schedule that works for you and your budget. Our payment options are designed to time with your paycheque. Choose either weekly, bi-weekly, semi-monthly or monthly payments.
120-day Rate Guarantee
Still looking for the perfect property? It takes time, we get it. Your pre-approved rate is guaranteed for 120 days. Keep hunting!
Prepayment Options
Prepay your mortgage by up to 20% of the original amount each year (conditions apply).
Flexible Options
Choose between fixed or variable mortgage rates and between open or closed mortgage terms.
Skip a Payment
Sometimes life hands us a lemon (occasionally it plants a lemon grove in our backyard). Skip a payment when the unexpected happens (conditions apply).
Mortgage Protection
Choose coverage options to ensure your mortgage payments will be made in the event of a job loss, illness or death.
FEATURED MORTGAGE RATES
Variable Rate Mortgage
5-Year Closed - Insured**
5.80
Variable Rate Mortgage
5-Year Closed*
6.20
Fixed Rate Mortgage
5-Year Closed - Insured**
4.79
Fixed Rate Mortgage
5-Year Closed*
5.19
Rates are subject to change without notice and are available on approved credit. Terms and conditions may apply.
*The fixed mortgage rate is only available to members with greater than 20% down payment, purchasing a residential, owner occupied property valued at under $1,000,000, and who meet other conditions. A premium may be applied to the rates for all other mortgages. Please visit a branch or call us at 1-888-597-8083 for further details.
**This insured mortgage rate is only available to members with less than 20% down payment, purchasing a residential property valued at under $1,000,000, who are eligible for and purchase mortgage default insurance and meet other conditions.
†Mortgage rates are subject to changes without notice and are available O.A.C. Fixed mortgage rates are compounded semi-annually; variable mortgage rates are compounded monthly. Mortgage rates are based on a 25 year amortization. Terms and conditions may apply. Mortgage funds must be advanced within 12 days of the application date. These rates are discounted and cannot be combined with any other rate discounts, promotions or offers. Additional fees may apply. For specific Annual Percentage Rate (APR) rates, please contact us.
MORTGAGE PRE-APPROVAL
Lock in your rate with our 120-day rate guarantee. Apply for mortgage pre-approval online or call us at 1-888-597-8083 to get started.
MORTGAGE OPTIONS
FIXED RATE MORTGAGE
VARIABLE RATE MORTGAGE
CONSTRUCTION MORTGAGE
RATES
Use our mortgage calculator to find out what mortgage amount you can afford and what your mortgage payment and amortization schedule would be.
Our Mortgage Rates
Apply for mortgage pre-approval online or call us at 1-888-597-8083 to get started.
| MORTGAGE RATES† | Rate |
|---|---|
| 6 month fixed rate (closed)* |
5.25
|
| 1 year fixed rate (closed)* |
5.59
|
| 2 year fixed rate (closed)* |
5.59
|
| 3 year fixed rate (closed)* |
5.59
|
| 4 year fixed rate (closed)* |
5.59
|
| 5 year fixed rate (closed) - insured** |
4.79
|
| 5 year fixed rate (closed)* |
5.19
|
| 5 year variable rate (closed) - insured** |
5.80
|
| 5 year variable rate (closed)* |
6.20
|
| 7 year fixed rate (closed)* |
5.59
|
| 10 year fixed rate (closed)* |
5.84
|
| 6 month fixed rate (open) |
7.55
|
| 1 year fixed rate (open) |
7.55
|
| Variable rate (open) |
7.20
|
*This mortgage rate is only available to members with greater than 20% down payment, purchasing a residential, owner occupied property valued at under $1,000,000, and who meet other conditions. A premium may be applied to the rates for all other mortgages. Please visit a branch or call us at 1-888-597-8083 for further details.
**This insured mortgage rate is only available to members with less than 20% down payment, purchasing a residential property valued at under $1,000,000, who are eligible for and purchase mortgage default insurance and meet other conditions.
†Mortgage rates are subject to changes without notice and are available O.A.C. Fixed mortgage rates are compounded semi-annually; variable mortgage rates are compounded monthly. Mortgage rates are based on a 25 year amortization. Terms and conditions may apply. Mortgage funds must be advanced within 12 days of the application date. These rates are discounted and cannot be combined with any other rate discounts, promotions or offers. Additional fees may apply. For specific Annual Percentage Rate (APR) rates, please contact us.
Resources for buying a home
Find out how much mortgage you can afford and what your payments might look like.
Find out the assessed value of your current home and compare it to others in that area.
Get insights on buying your home, from understanding your credit score to saving for a downpayment.
We acknowledge that we have the privilege of doing business on the traditional and unceded territory of First Nations communities.
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