Make your home ownership dreams come true.

Together, we'll look at your whole financial picture so we can help get the right mortgage for you. We'll take the stress out of mortgage eligibility with practical tools and uniquely personal solutions.

Mortgage calculator 

Use our mortgage calculator to see what your monthly payments could look like based on the size of your down payment. A home mortgage can be used to purchase a property or to borrow against its equity. Use our calculator.

Fixed and variable rate mortgages

We'll help you decide on a fixed or variable rate mortgage. The option you choose may depend on the stability of your income and your comfort level if interest rates start to rise.

  • A fixed mortgage is a secure, locked-in interest rate and payment amount. You know exactly what you pay month over month, year over year. 
  • A variable mortgage  is more flexible. Interest rate changes over time.

Depending on the timing of your pay day and how quickly you want to pay off your mortgage, you can choose from multiple payment schedules. Get in touch so we can look at your current financial situation and make a plan together.  

First-time home buyers 

If you're a first-time home buyer, you may be eligible for Canada's First-Time Home Buyer Incentive. This incentive helps people across Canada purchase their first home with the offer of 5 or 10% of the home's purchase price to put toward a down payment. This, in addition to your down payment, lowers your mortgage carrying costs and makes homeownership more affordable. Find out more.

The advantage of CreditMaster 

CreditMaster® is a re-advanceable mortgage product that allows flexibility with borrowing. The money you put into your mortgage today is money you can use tomorrow.  

For more information, contact us at lending@firstcu.ca or contact your local branch here

Diverse mortgage options

Construction Mortgage 

A construction mortgage lets you access funds as you move through the build. Once you know approximately how much you'd like to spend on your build, talk to us about financing options. We consider financing based on the future value of your home. 

Commercial Mortgage

We're just as knowledgeable about commercial mortgages as residential. Learn more about how we can help. Learn more.

Refinancing

Advantages of refinancing can include:

  • Consolidate your debt at one low rate
  • A shorter mortgage term and less interest over time
  • Access to additional funds for renovations or whatever you may need
  • Lower rates 


Talk to someone on our lending team to learn more about your mortgage options.