Choose the Mortgage that’s best for you. This is where you belong.

Lending decisions are made right here in your neighbourhood — where we understand the value of the property.


Receive 4% cash back on new purchases and newly transferred mortgages.

  • Cash back is 4% on mortgages starting as low as $25,000
  • Some conditions apply
  • Talk to us for more details

Contact us today to get started.

Fixed Rate Mortgage

Very flexible and our most popular mortgage.

  • Interest rate and payments remain the same for the entire term
  • 6 months to 5 year terms
  • Payments can be monthly, bi-weekly,semi-monthly or weekly

Variable Rate Mortgage

Allows you to take advantage of falling rates while having the option to lock in at any time.

  • Linked to the current prime rate
  • Payment remains fixed for the term
  • No prepayment penalties

Open Mortgage

Ideal if you’re planning to sell in the near future.

  • Pay it off any time without penalty
  • 6 month and 1 year terms available
  • Rate and payment remain fixed for term

High Ratio Mortgages

When finding the down payment is difficult, a High Ratio Mortgage is an option.

Prepayment Privileges

  • Prepay up to 20% of original principal each year without penalty
  • Increase your payments by 20% each year

Home Equity Lines of Credit

Release some of those funds that your home is holding captive.

  • Based on the appraised value of your home, less the outstanding balance of any mortgages
  • Rate as low as Prime, minimum monthly payment is interest only
  • Attached to your chequing account, funds are accessed by cheque, cash withdrawal, debit card

Contact us today to get started.

And to make borrowing even better:

FREE Mortgage Renewals
NO-FEE Banking means you pay nothing to renew your mortgage with Equity.

90-Day Mortgage Rate Commitments
When Equity commits to a rate, we commit. You can depend on it for 90 days.

Mortgage Insurance
Give your family peace-of-mind. Life and Critical Illness insurance is available at the credit union for your mortgage protection.

Payment Protection Legal Disclaimer: 
Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details.