Get the mortgage you deserve and start saving today
Rates and advice that move you.
LOW MORTGAGE RATES
4.55%*APR
5-YEAR HIGH RATIO VARIABLE
or
Whether you’re buying your first home, an investment property or a vacation property, we’ve got everything you need to know.
Whether you’re buying your first home, an investment property or a vacation property, we’ve got everything you need to know.
Buy a house
Find out how transferring your mortgage can help you get a better rate and become mortgage-free faster. It’s easier than you might think!
Whether you’re buying your first home, an investment property or a vacation property, we’ve got everything you need to know.
Switch my mortgage
Renew your existing mortgage with us or access the equity in your home.
Renew my mortgage
Renew your existing mortgage with us or access the equity in your home.
The Mortgage Affordability Calculator helps you to determine how much you can borrow and estimates the amount of a mortgage payment and generates an amortization schedule for payments.
Mortgage Calculator
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Our promise
Speak to a mortgage advisor to get the mortgage you deserve and start saving today.
Discover the
Good in Banking™
Get a great rate
- Competitive rates - no need for shopping around.
- Transparent mortgage rate pricing.
- Even if interest rates rise, you’ll get the rate we agreed on with our 120-day rate or variance guarantee*.
Pay off your mortgage sooner
- Take advantage of flexible payment schedules.
- Save more with generous prepayment privileges.
Get great advice
- Get personalized advice and avoid common pitfalls at no cost or obligation to you.
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Buying a home can be stressful.
Getting a mortgage shouldn't be.
Whether you are a first-time home buyer or looking into home financing, our personalized advice and flexible options will help you get the right mortgage solution for your needs.
*Terms and conditions
The offer period begins on January 2, 2024, at 12:01 a.m. Eastern Time and ends on June 30, 2024, at 11:59 p.m. Eastern Time (the “Offer Period”).
This Offer is subject to all applicable federal, provincial, and municipal laws. The decisions Alterna Savings makes with respect to all aspects of this Offer are final and binding on all members without right of appeal. By participating in this Offer, you agree to be bound by these Terms.
Alterna Savings reserves the right to amend, extend, withdraw, or terminate the Offer and/or to amend these Terms at any time and without notice. Except as specifically modified herein, the terms and conditions relating to existing products/services will remain in full force and effect. By participating in this Offer, each participant expressly consents to Alterna Savings, its agents and/or representatives, storing, sharing, using and disclosing the personal information submitted while participating in this Offer for the purpose of administering this Offer and in accordance with Alterna Savings’ privacy policy www.alterna.ca/OnlinePolicies/SecurityandPrivacy.
Click here for Full Terms & Conditions
† We guarantee your interest rate for the selected fixed rate mortgage type and term for up to 120 days from the mortgage rate guarantee start date. If the mortgage is not funded within the 120-day period, the interest rate guarantee expires. Applicable to residential mortgages only and subject to Alterna Savings standard lending criteria for residential properties.
**Terms and conditions apply.
Alterna Savings & Credit Union Limited operates as Alterna Savings. Alterna Savings is a credit union operating in Ontario. For information on deposit insurance, please ask for a brochure at the credit union or visit the FSRA’s website at www.fsrao.ca/.
Plus get up to $600** in rewards when you open an eligible account and complete the qualifying criteria. See terms and conditions for more details
Get up to
$4,000
Cashback
on your mortgage.*
*Limited time offer for eligible mortgages.
Get up to
$4,000 Cashback
on your mortgage.*