Personal Borrowing
Whatever you’re planning, we’ll help you get there with borrowing options that fit your goals and your budget.
Mortgages
Choose a mortgage solution that’s right for you.
Buying a home is exciting, but it can also be intimidating. That’s why we’re here to help you through every step of the process, whether it’s your first home or fifth. Learn about the different types of mortgages we offer and our rates. We can also work with you to provide customized mortgage solutions to meet your specific needs.
Fixed Rate Mortgages
Enjoy predictable payments and peace of mind with a fixed rate mortgage
Interest rate stays the same for the term
Predictable monthly payments
Good for long-term budgeting
Terms range from 1 to 5 years
Protection from rising interest rates
Choose flexible payment options: weekly, bi-weekly, monthly, or semi-monthly
Additional borrowing options with CreditMaster®
Variable Rate Mortgages
Get the flexibility of a prime-based rate
Interest rate changes as the prime rate changes
Payments can change if rates rise or fall
Potential to save if rates stay low
Additional borrowing options with CreditMaster®
Construction Mortgages
Designed to support you through every stage of your build, with flexible financing that evolves as your home takes shape.
Lock in a fixed or variable rate - even before construction begins
Choose flexible payment options: weekly, bi-weekly, monthly, or semi-monthly
Available for owner-occupied or rental/investment properties
Can be insured through CMHC and paired with CreditMaster® for future flexibility
Home Equity Line of Credit
Access the funds you need, when you need them, with a flexible home equity line of credit.
Borrow against your home’s equity
Revolving credit: access funds as needed
Interest-only payment option
Lower rates than unsecured credit
Flexible repayment and re-borrowing
Additional borrowing options with CreditMaster®
The CreditMaster® Mortgage
A flexible, re-advanceable mortgage that grows with you, giving you easy access to your home’s equity.
Re-advance funds as you pay down your mortgage or as your property value grows
Blend fixed and variable rates across multiple terms to suit your goals
Combine and manage multiple loans, including lines of credit, under one product
Use for renovations, education, debt consolidation, or major life expenses
Leverage the equity you've built up in your home to qualify for a preferred rate
Personal Loans & Lines of Credit
Flexible borrowing for life’s moments—big or small.
Whether you need extra funds for a special occasion, dream vacation, home improvements or new vehicle, we offer loans with competitive rates and flexible repayment schedules. Choose from a floating or fixed interest rate, short or long terms, and flexible payments. We can also refinance similar personal loans from other institutions to consolidate your debts into one simple payment.
Personal Loans
We all need to borrow money at some point in our lives – perhaps to purchase a car, renovate a home, take a special vacation or finance an RRSP contribution. Talk to our lending experts today about our full spectrum of loan products and services.
Choose from a fixed or variable interest rate.
Choose from weekly, bi-weekly, semi-monthly or monthly payments.
Make payments by convenient pre-authorized debit.
Make a full or partial pre-payment at any time without penalty.
Lines of Credit
A revolving line of credit can fluctuate within the authorized limit. It’s attached to a member’s chequing account and is automatically accessed through cheques, ATM, in-branch withdrawals, POS, or pre-authorized debits, all of which will increase the balance while deposits will reduce the balance.
Access money when you need it
Pay it down as often as you want to
Pay it back on your schedule or just pay the interest
Keep it active for as long as you want
