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Mortgage options for every need.


Conventional mortgage

The right option for you if you’ve saved a 20% down payment or more for your home. Well done! With this option, you won’t need to get mortgage insurance, unless you want the peace of mind that comes with loan protection.


High-ratio mortgage

The right option for you if you need a helping hand to make up the full 20% down payment for your home. This option lets you get a mortgage with as little as 5% down, but it will include mandatory mortgage insurance.


Second property mortgage

The right option for you if you’re looking for an investment property or a vacation home in your favourite get-away spot. Our experts will offer personalized advice and help you leverage the value of your current home to get the best deal.


Purchase plus improvements mortgage

The right option for you if you’re buying a fixer-upper or plan to make updates to your new home. We can help make the cost of your renos more manageable by rolling them into your mortgage.


Self-employed mortgage

The right option for you if you’re self-employed and having trouble qualifying for a mortgage. We pride ourselves on helping members work through their unique circumstances to achieve their goals.


Construction mortgage

The right option for you if you’re planning to build your dream home yourself or with the help of a contractor. This option is also available as a high-ratio mortgage if you don’t have a 20% down payment.  


Mortgage rates

We have some of the most competitive mortgage rates around. But don’t take our word for it!
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Mortgage renewal

Ready to renew your mortgage? Get in touch! Our experts will help you renew in no time.
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Mortgage protection

Life sometimes throws curveballs. Protect your finances from them with loan insurance.
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Handy home-buying resources.

​Home-buying guide

Home-buying checklist


How big should your down payment be?

We tackle the BIG question that all potential homeowners face—how much should you set aside for a down payment on your dream home?

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Make the most of the equity in your home.

Leverage your property value to unlock even more borrowing power with a Home Equity Line of Credit (HELOC).

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Tools and calculators.

Whether you’re buying a home, planning for your children’s education, or looking forward to retirement, these handy tools take the ‘work’ out of homework and provide a clear picture of where you stand.

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How much mortgage can you afford?

There’s a difference between what you qualify for and what you can afford when it comes to your mortgage. Let us show you the formula to financial comfort.

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