A residential conventional mortgage requires a minimum 20% down payment and allows flexibility for re-advancing funds when needed.

Who Might Use this Product?

Consumer members who are looking for a competitive rate for their mortgage, and who can make a minimum down payment of 20% of the purchase price.

Cost Savings and Member Benefit

  • Competitive interest rates - fixed or variable
  • Free mortgage renewals
  • 10% annual pre-payment option
  • Members are eligible for cash rebates through our Patronage Program

Convenient and Flexible

  • Local in house approval - usually within 48 hours
  • Pre-approval available
  • Multiple re-payment options available including:
    • Payment frequency of weekly, bi-weekly, semi-monthly or monthly
    • Amortization up to 25 years
    • Terms up to 5 years
    • Automatic transfers or self service payments

Peace of Mind

  • Pre-approval options so you know what you can afford when looking for a home
  • Loan insurance available
  • Cost of credit and any fees associated with the loan will be disclosed at the time of approval

Information about your Mortgage

You have many different ways to access your account information or history

  • In-branch assistance - 5 days a week
  • Immediate access via Online Banking or Mobile App
  • Monthly detailed statements including e-statements


Open? Fixed? Variable? Not sure what this all means? Buying a home is an important decision, and we want you to have all the facts! Read our Mortgage Disclosure to understand the basics and the options you have when choosing a mortgage that is right for you.


We offer Life, Disability, Loss of Employment, and Critical Illness insurance as payment protection options on mortgages. Our Account Managers can help you choose the options that are right for you.
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