Mortgages
Turn your dream into your dream home.
What’s your next move?
Buying
Renewing
Switching
Find the mortgage to match your needs
Home Mortgage
Perfect for you if...
You are looking to purchase a home
Key features
- We love getting you into a new home, contact us so we can help
Construction Mortgage
Perfect for you if...
Are building or renovating a new home.
Key features
- Works if you purchase a new home that requires renovations
- Can include renovations of your current home as part of a mortgage refinance that includes your existing mortgage and construction costs
- Includes new builds on a lot you already own
Mobile and Modular Home Mortgage
Perfect for you if...
Are looking at purchasing a mobile or modular home
Key features
- For new or used mobile homes
- For own property or in a mobile home park
- Enjoy flexible weekly, biweekly, or monthly repayment schedules
Purchase and Improvement Program
Perfect for you if...
You are looking to purchase AND renovate a new home, all under one mortgage payment
Key features
- Buy and renovate under one mortgage
- Renovate the way you want the minute you get the keys
- Borrow at a low rate with a low down payment
Total Access Home Equity Mortgage™
Perfect for you if...
Are looking for a collateral mortgage product that allows you to use your home as security for a variety of lending products.
Key features
- Home equity can be accessed at any time, for any reason, with a simplified application process and no need to register a new mortgage.
- Mortgage terms can be customized into fixed and variable rate solutions, or between short and long-term solutions.
- Flexible payment options. Monthly payments can be as low as interest only, or pay off the full balance without penalty on open terms or lines of credit.
- Allows consolidation of existing debt to save on interest charges.
Get your mortgage your way
Not sure which mortgage is right for you?
We’ll be happy to help you pinpoint the option that best suits your needs.
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Take a look at the latest, competitive rates on offer for our mortgage solutions.
Thinking of buying a home? Try our calculator to find the mortgage to fit your budget.
Level up your financial know-how
Guide to homebuying
Purchasing a home is no easy task. Our guide is your one-stop, go-to resource for all things homebuying.
How to ace the stress test
With a little preparation, you can get top marks on your mortgage stress test when the time comes to buy your first home.
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Copyright 2024 St.Joseph's Credit Union. All rights reserved.
Mortgage License # 3000020
Copyright 2024 St.Joseph's Credit Union. All rights reserved.
Mortgage License # 3000020
