Mortgages made for real life
Whether you're a first-time homebuyer or a current homeowner in BC, we have mortgage solutions custom-built for your life.
We’re with you the whole way
“Getting a mortgage is just the start. We’re in your corner from offer to move-in day and beyond.”
Understand your needs
Let's kickstart a conversation about your goals, timeline, and where you're at in your homeownership journey.
Explore the possibilities
From cashback to refinancing and home equity options, (including optional payment protection) we’ll build not just a mortgage but a plan that works for you.
Secure your mortgage
We’ll make the process smooth and simple, with quick approvals, friendly advice, and step-by-step support until you get the keys.
Get advice built for you
Your advisor will take you through all the options, with access to programs and offers designed to help you feel confident and supported.
Your first home starts here
Dreaming of your first home? The First Home Advantage Program offers a low-interest loan of up to $25,000 to boost your down payment and help you buy sooner.
Support you need, flexibility you want
Mortgages aren’t one-size-fits-all. We make the process faster, more flexible, and built for your life.
We come to you
No long waits, no back-and-forth. Our lending experts can meet you where it’s easiest—online, at home, or wherever works best for you.
Option to pre-pay
With our closed mortgages, you can increase your regular payments by up to 100% and make annual lump sum payments of up to 20% of the principal.
Designed for approval
Self-employed? Building from the ground up? Don’t have 20% down? No problem. We’ve got flexible options that make it work.
Custom-built for your life
Everyone's situation is different. That's why we'll build a mortgage plan together that fits your goals, not someone else's.
Smart tools to guide your next move
What can I afford?
Get an estimate of your budget based on your income, savings, and comfort level.
Calculate my budget
What will it cost each month?
See your estimated monthly payments so you know what to expect before you apply.
Calculate my payments
Let’s talk mortgages
Becomea member
With nearly 200,000 members across BC, you’ll be joining a credit union that has focused on the financial wellness of its community for over 80 years.
