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.