​Find the perfect mortgage for your perfect home.

We all dream of the perfect home to live in.  At Unity Credit Union, it's our job to design a mortgage that best suits your needs because it will likely be the single biggest investment in your lifetime.

Choosing the right mortgage from the many options available could save you thousands of dollars and years of payments.  Before you select any mortgage, have a look at Unity Credit Union's complete range of mortgages, each with its own advantages.  You'll be glad you did!

Conventional Mortgage

Overview

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

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

CMHC Mortgage

Overview

A residential mortgage with a flexible down payment - between 5 and 20%.

Benefits
  • Acquire a home with as little as 5% down
  • Competitive interest rates - fixed or variable
  • Free mortgage renewals
  • 10% annual pre-payment option
  • Members are eligible for cash rebates through our Patronage Program

All-in-One Mortgage

Overview

Unity Credit Union's All-in-One low interest mortgage will help you achieve your dreams and make your life more comfortable.

Benefits
  • Competitive interest rates
  • Save on borrowing costs for as long as you own your own home
  • Secure your borrowing with a minimum of 20% equity in your residential home for consumers
  • Secure your borrowing with a minimum of 25% equity in your agricultural land
  • Members are eligible for cash rebates through our Patronage Program

​Take a look at our latest mortgage rates.

Enjoy the advantages of a Unity Credit Union Mortgage

  • Guaranteed rate – If the posted rate changes within 60 days, we will offer you the lower rate.
  • Flexible pre-payment options – Pre-pay up to 10% of your principal annually, without penalty.
  • Local approvals– Decisions are made locally, to ensure you get a response as quickly as possible.
  • Personalized support – Our team of local Account Managers will make sure you have tailoured advice and a plan for every step of the process.
  • Mortgage Protection Insurance – Get peace of mind with mortgage insurance, which includes payment protection.
  • Skip a payment – We understand and know life happens.  Skip a payment option is available.

​Need a hand?

Meet with one of our Account Managers. They'll be happy to guide you through every step of the process.

​Mortgage Calculator

Choose a mortgage rate and we'll help you figure out a payment option that works for you.

Mortgage Disclosure

Read our Mortgage Disclosure to understand the basics and the options you have when choosing a mortgage that is right for you. 

Helpful articles and resources

​Plan your home renovation

Keep your spending in line with these helpful tips to plan, design, and budget for your home renovation.

​First Time Homebuyer's Plan 

​​Did you know about the First Time Home Buyer's Plan through the Canada Revenue Agency?

Tips for purchasing your home

Check out helpful hints and advice for the purchase of your home.