Explore your mortgage options

Mortgage options

Accelerated mortgage approvals

Forget waiting around for your mortgage approval. With us, you’ll hear back fast because we make all our decisions here in the Peace.

​Mortgage-free faster

Pay off your mortgage faster with the ability to pre-pay 25% of your original closed mortgage balance each year and increase your payments by up to 150%.

​Pre-approval available

Start your home search with confidence, by getting pre-approved for your mortgage amount first and locking in a 60-day rate guarantee.

​Great rates with no strings

Get more than a great mortgage rate. We’ll walk you through your mortgage options to ensure you know exactly what you’re getting and how it works upfront.

​Discover the perfect mortgage for your home

​Personal Mortgage

​Personal Mortgage

​Personal Mortgage

Perfect for you:

If you want a straightforward, flexible mortgage to match your life plans now and in the future. 

What you get:
  • Flexible payment schedules – Fit your mortgage to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly. 
  • Fixed or variable rate – Lock in your interest rate for the term of your mortgage or get a lower rate that shifts with the market. The choice is yours! 
  • Variety of term lengths – Tailor your mortgage to your life plans with term lengths from 6 months to 7 years. 
  • Available as a CMHC insured mortgage. 
  • CreditMaster® Mortgage – Flexible access to your home equity in the future. 
  • Available for owner occupied or investment/rental properties. 
  • Protect yourself with creditor insurance.

​Acreage Mortgage

​Acreage Mortgage

​Acreage Mortgage

Perfect for you:

If you plan to buy an acreage and want a mortgage based on the value of the entire property. 

What you get: 
  • Financing for the full property – Get a mortgage for your entire property, not just the home site, including acreages without a residence, serviced and unserviced properties.  
  • Flexible payment schedules – Fit your mortgage to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly. 
  • Fixed or variable rate – Lock in your interest rate for the term of your mortgage or get a lower variable rate that shifts with the market. The choice is yours! 
  • Variety of term lengths – Tailor your mortgage to your life plans with term lengths from 6 months to 7 years. 
  • Available as a CMHC insured mortgage. 
  • CreditMaster® Mortgage – Flexible access to your home equity in the future. 
  • Available for owner occupied or investment/rental properties. 
  • Protect yourself with creditor insurance.

​Construction Mortgage

​Construction Mortgage

​Construction Mortgage

Perfect for you:

If you plan to build your dream home and want a mortgage designed specifically to help make that happen. 

What you get: 
  • Guaranteed rate ­– Lock in the best fixed mortgage rate prior to construction, so you can build your home with financial peace of mind. 
  • Flexible payment schedules – Fit your mortgage to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly. 
  • Fixed or variable rate – Lock in your interest rate for the term of your mortgage or get a lower rate that shifts with the market. The choice is yours! 
  • Variety of term lengths – Tailor your mortgage to your life plans with term lengths from 6 months to 7 years. 
  • Available as a CMHC insured mortgage. 
  • CreditMaster® Mortgage – Flexible access to your home equity in the future. 
  • Available for owner occupied or investment/rental properties. 
  • Protect yourself with creditor insurance.

​Home Equity Line of Credit (HELOC) 

Home Equity Line of Credit (HELOC)

​Home Equity Line of Credit ​(HELOC)

Perfect for you:

If you want to take advantage of the equity you’ve built in your home for other important goals like home renovations, debt consolidation or a dream trip.

What you get: 
  • Higher limits, lower rates – Benefit from higher credit limits and lower interest rates because the HELOC is secured by your home. 
  • Re-advanceable – Access your home equity anytime. Once you have a HELOC, you can use the funds whenever you want without the need to reapply. 
  • Pay as you go – Only pay interest on what you use and make interest-only payments if needed. 
  • Easy access – Access the funds in your HELOC in the same way as a chequing account – online, in-branch or over the phone. 
  • Protect yourself with creditor insurance.

​Mortgage Calculator

​Try our mortgage calculator to see how much home you can afford and what your payments could look like.

​Mortgage Calculator

  1. Click "Payment" tab and enter mortgage amount

  2. Enter amortization period & payment frequency

  3. Select mortgage term

  4. Input the interest rate

​Protect your peace of mind with creditor insurance

Sometimes life takes an unexpected turn. Creditor insurance ensures you’re ready for it, covering your mortgage payments in case of disability, job loss, critical illness and more.

​Protect your peace of mind with creditor insurance

Sometimes life takes an unexpected turn. Creditor insurance ensures you’re ready for it, covering your mortgage payments in case of disability, job loss, critical illness and more.

​​Protect your peace of mind with creditor insurance

Sometimes life takes an unexpected turn. Creditor insurance ensures you’re ready for it, covering your mortgage payments in case of disability, job loss, critical illness and more.

​Get pre-approved for your mortgage

Search for your dream home with confidence, knowing exactly how much you can afford.

​​Your How-To Hub

​What is a CreditMaster® mortgage?

CreditMaster® is a different kind of mortgage. Flexible and re-advanceable, it builds your borrowing power as you pay down your mortgage and your property value increases. In other words, the money you put into your mortgage today is money you can still use tomorrow.

​​How to increase your credit score

Talking about credit scores, what they are, why they’re important, and how to maintain healthy ones, is still somewhat taboo in our day to day lives. Outside the world of finance, credit scores are seldom talked about and often avoided until they become a problem.

Mortgages 101

In Canada and much of the modern world, home ownership has become an almost universal aspiration for those working to count themselves among the middle class.

​Ready to learn more or get started?

​We’re here to help.