When you transfer your mortgage to us.
When you transfer your mortgage to us.
Whether fixed or variable, open or closed, you'll find the perfect fit.
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 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.
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.
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.
Still looking for the perfect property? It takes time, we get it. Your pre-approved rate is guaranteed for 120 days. Keep hunting!
Prepay your mortgage by up to 20% of the original amount each year (conditions apply).
Choose between fixed or variable mortgage rates and between open or closed mortgage terms.
Sometimes life hands us a lemon (occasionally it plants a lemon grove in our backyard). Skip a payment when the unexpected happens (conditions apply).
Choose coverage options to ensure your mortgage payments will be made in the event of a job loss, illness or death.
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.
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.
Relax knowing what your payments will be. Your rate stays the same for the term of your mortgage.
Key Features & Benefits
A variable rate mortgage typically will offer a lower interest rate than a fixed rate mortgage. However, the interest rate will fluctuate with any changes in our prime interest rate.
If interest rates go down, you could pay off your mortgage faster as more of your payment will go towards paying off your principal. If the prime rate goes up, more of your mortgage payment will go towards covering interest costs.
Key Features & Benefits
Building a home can be complicated but financing it doesn't have to be. Our progressive draw construction mortgages offer flexible financing to help you build your new home or start a large-scale home renovation or expansion.
How it works
Get advances to pay for building costs. Funds are distributed typically in 3-6 stages (known as draws) throughout the construction period. While construction lasts, you are responsible for interest-only payments. The typical stages are:
After the home is built and ready to occupy, the construction mortgage is converted to a conventional mortgage.
Key Features & Benefits
Use our mortgage calculator to find out what mortgage amount you can afford and what your mortgage payment and amortization schedule would be.
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.
Everything is easier with a little help.
We acknowledge that we have the privilege of doing business on the traditional and unceded territory of First Nations communities.