Mortgage Solutions That Fit Your Life.

Fixed and variable rate mortgages

We take a complete look at your financial picture to help you find the right mortgage for your needs. Whether you're exploring a fixed or variable rate mortgage, we'll guide you through your options in clear, simple terms—so you can make confident, informed decisions. With easy-to-use tools and personalized support, we make the mortgage process less stressful and more empowering from start to finish.

• 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.  

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 

Mortgage Porting

To port a mortgage means to transfer your existing mortgage amount, rate and term, and amortization from your current property over to a new one. This allows you to keep your mortgage contract as is, and avoid a penalty for breaking the contract early.

• Treated like a new application and requires re-qualification.
• You would need to sell your current home at the same time that you purchase a new one.
• Closing date of sale/new purchase must be within 90 days.
• If additional funds are required for the new purchase, it would be treated as a Blend & Extend, rather than a port.

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.

We are proud to offer CreditMaster mortgage products. CreditMaster is a different kind of mortgage, flexible and re-advanceable, meaning it builds your borrowing power as you pay it down and your property value increases.

• Choose variable, fixed, or both – securing different loan agreements and terms under a single mortgage.
• Grow your borrowing power as you pay down your mortgage.
• Attach new mortgages or a Home Equity Line Of Credit (HELOC) without having to pay additional legal fees.
• Borrow with the flexibility to negotiate separate rates and terms.

With a CreditMaster mortgage, you have multiple options for refinancing or porting your existing mortgage with us. You can use your CreditMaster to consolidate debt, fund education, renovate, or start a new adventure. With fixed term, you have the flexibility to set your payments based on term and length of amortization, independent from the original mortgage.

With HELOC you have the flexibility of a monthly minimum payment of accrued interest only, or paying it down as quickly as you can afford.*

*fees and additional conditions may apply