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Make the most of it.
Not the best of it. 

Get more out of your mortgage with Purchase + Improvements and up to $25,000* Cash Back.


Purchasing a new home or renewing your mortgage?

Do it through Northern and get up to $25,000* Cash Back.

Save on moving expenses, new appliances, renovations, post-secondary education, and more.

Mortgage special

5-year closed high ratio


Already have a mortgage somewhere else?

We make the switch to Northern easy and worthwhile, by paying up to $1,250** in transfer fees.

Same terms, lower fees, and exclusive member benefits, plus up to $25,000* Cash Back to move you closer to your savings goals. 

Let your mortgage do the renovating.

Our Purchase + Improvements Mortgage can help you take the "Y" out of DIY.

Turn your new house into your forever home with a Purchase Plus Improvements Mortgage. From new windows and doors to driveways and floors, go from fixer-upper to move-in-ready with one manageable mortgage payment and only 5% down.

With a Purchase Plus Improvements Mortgage, you can start your custom home improvements the day you get your keys and roll the costs right into your mortgage payment. Just like a traditional mortgage, put only 5% down from personal savings, RRSP contributions, existing home equity, or other conventional sources. Offering 3–5-year terms at a competitive rate, tailor your Purchase Plus Improvements Mortgage to suit your needs.

Apply online or book an appointment at your local branch to pre-qualify!


Buying your first home?

Discover tools, resources and advice that’ll help you when you’re buying your very first home.


Buying a new home?

Whether you’re moving, buying an investment property or a camp by the lake, we’re here for you with tools, resources and homebuying advice you can trust.


Time to renew your mortgage?

Renewing your mortgage? Take advantage of our great rates and expert mortgage advice. Plus, if you switch to Northern, we’ll cover up to $1,250 of your mortgage transfer fees.

Mortgage tools


Home-buying guide

Home-buying checklist

Mortgage calculator

*Terms and conditions apply, offer subject to change at any time. Please contact us for more information.

*Cash back cannot be used as a down payment for new purchases. Available on Fixed Closed 3-5 Year Term Mortgages only. The maximum cash back amount is $25,000 based on the full mortgage amount, including high ratio premium.

**Switch to Northern and get up to $1,250 on Mortgages $100,000 or more.