Getting a mortgage isn't as scary as you think.

* 5 Year Variable Rate Closed Mortgage High Ratio Only - 1.45% (Prime-1.00%)

Special promotional rate may be changed or withdrawn at any time without notice. Applicable for a High Ratio Mortgage with 25 year amortization period for members with less than 20% down payment, purchasing a residential property valued at under $1,000,000 or subsequent renewing of such a loan, who are eligible for and purchase mortgage default insurance and meet other conditions. This promotional rate is also available for members switching their existing High-Ratio Mortgage , which has the lesser of 25 year amortization period or the remaining amortization of the mortgage to be switched, with less than 20% down payment from another financial institution with a mortgage default insurance to Alterna, for a residential property with an original purchase price under $1,000,000 who also meet other conditions. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.45% (Prime -1.00%). Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.45% as of August 17, 2021. Your interest rate will change whenever the Alterna Prime rate changes.  Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

The Financial Services Regulatory Authority of Ontario's (FSRA), formerly DICO, provides deposit protection for all eligible deposits held at Ontario credit unions. This deposit insurance is part of comprehensive depositior protection program for all Ontario credit unions and is backed by provincial legislation. Subject to coverage limits, eligible deposits held with FSRA member institutions are automatically insured; you do not have to apply for coverage. For further information on deposit insurance, please ask for a brochure at the credit union or visit the FSRA’s website at www.fsrao.ca/

* 5 Year Variable Rate Closed Mortgage High Ratio Only - 1.45% (Prime-1.00%). Special promotional rate may be changed or withdrawn at any time without notice. Applicable for a High Ratio Mortgage with 25 year amortization period for members with less than 20% down payment, purchasing a residential property valued at under $1,000,000 or subsequent renewing of such a loan, who are eligible for and purchase mortgage default insurance and meet other conditions. This promotional rate is also available for members switching their existing High-Ratio Mortgage , which has the lesser of 25 year amortization period or the remaining amortization of the mortgage to be switched, with less than 20% down payment from another financial institution with a mortgage default insurance to Alterna, for a residential property with an original purchase price under $1,000,000 who also meet other conditions. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.45% (Prime -1.00%). Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.45% as of August 17, 2021. Your interest rate will change whenever the Alterna Prime rate changes.  Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

The Financial Services Regulatory Authority of Ontario's (FSRA), formerly DICO, provides deposit protection for all eligible deposits held at Ontario credit unions. This deposit insurance is part of comprehensive depositior protection program for all Ontario credit unions and is backed by provincial legislation. Subject to coverage limits, eligible deposits held with FSRA member institutions are automatically insured; you do not have to apply for coverage. For further information on deposit insurance, please ask for a brochure at the credit union or visit the FSRA’s website at www.fsrao.ca/

Getting a mortgage isn't as scary as you think.

Congratulations! You are about to embark on what will likely be one of the biggest purchases of your life—buying your first home! This journey is an exciting one and we’re here to help.

Get in touch with us today.

Get in touch with us today.

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On Mobile? 1-877-560-01001-877-560-0100Book a Phone AppointmentBook a Phone AppointmentCall 1-877-560-0100

Choose the right mortgage for you

Getting a mortgage isn't as scary as you think.

Complete the form and we’ll we’ll be in touch soon.  

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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.

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.

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!

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!

Renew your existing mortgage with us or access the equity in your home.

Renew your existing mortgage with us or access the equity in your home.

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Discover how much home you can afford, quickly see what your mortgage payments might look like and compare mortgage terms and rates.

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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.

I want to...

Discover the Good in Banking

  • 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*.

Get a great rate

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.

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.

I want to...

Get in touch with us 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.

I want to...

† * 5 Year Variable Rate Closed Mortgage High Ratio Only - 1.45% (Prime-1.00%)

Special promotional rate may be changed or withdrawn at any time without notice. Applicable for a High Ratio Mortgage with 25 year amortization period for members with less than 20% down payment, purchasing a residential property valued at under $1,000,000 or subsequent renewing of such a loan, who are eligible for and purchase mortgage default insurance and meet other conditions. This promotional rate is also available for members switching their existing High-Ratio Mortgage , which has the lesser of 25 year amortization period or the remaining amortization of the mortgage to be switched, with less than 20% down payment from another financial institution with a mortgage default insurance to Alterna, for a residential property with an original purchase price under $1,000,000 who also meet other conditions. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.45% (Prime -1.00%). Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.45% as of August 17, 2021. Your interest rate will change whenever the Alterna Prime rate changes.  Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

The Financial Services Regulatory Authority of Ontario's (FSRA), formerly DICO, provides deposit protection for all eligible deposits held at Ontario credit unions. This deposit insurance is part of comprehensive depositior protection program for all Ontario credit unions and is backed by provincial legislation. Subject to coverage limits, eligible deposits held with FSRA member institutions are automatically insured; you do not have to apply for coverage. For further information on deposit insurance, please ask for a brochure at the credit union or visit the FSRA’s website at www.fsrao.ca/

Congratulations! You are about to embark on what will likely be one of the biggest purchases of your life—buying your first home! This journey is an exciting one and we’re here to help.

Get in touch with us today.

On Mobile? 1-877-560-0100On Mobile? 1-877-560-0100On Mobile? call 1-877-560-0100

† * 5 Year Variable Rate Closed Mortgage High Ratio Only - 1.45% (Prime-1.00%)

Special promotional rate may be changed or withdrawn at any time without notice. Applicable for a High Ratio Mortgage with 25 year amortization period for members with less than 20% down payment, purchasing a residential property valued at under $1,000,000 or subsequent renewing of such a loan, who are eligible for and purchase mortgage default insurance and meet other conditions. This promotional rate is also available for members switching their existing High-Ratio Mortgage , which has the lesser of 25 year amortization period or the remaining amortization of the mortgage to be switched, with less than 20% down payment from another financial institution with a mortgage default insurance to Alterna, for a residential property with an original purchase price under $1,000,000 who also meet other conditions. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.45% (Prime -1.00%). Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.45% as of August 17, 2021. Your interest rate will change whenever the Alterna Prime rate changes.  Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

5 Year Fixed Rate Closed Mortgage - High Ratio Only – 1.79% 

Special promotional rate may be changed or withdrawn at any time without notice. Applicable for a High Ratio Mortgage with 25 year amortization period for members with less than 20% down payment, purchasing a residential property valued at under $1,000,000 or subsequent renewing of such a loan, who are eligible for and purchase mortgage default insurance and meet other conditions. This promotional rate is also available for members switching their existing High-Ratio Mortgage, which has the lesser of 25 year amortization period or the remaining amortization of the mortgage to be switched, with less than 20% down payment from another financial institution with a mortgage default insurance to Alterna, for a residential property with an original purchase price under $1,000,000  who also meet other conditions. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.79%. Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

3 Year Fixed Rate Closed Mortgage - High Ratio Only - 1.64% 

Special promotional rate may be changed or withdrawn at any time without notice. Applicable for a High Ratio Mortgage with 25 year amortization period for members with less than 20% down payment, purchasing a residential property valued at under $1,000,000 or subsequent renewing of such a loan, who are eligible for and purchase mortgage default insurance and meet other conditions. This promotional rate is also available for members switching their existing High-Ratio Mortgage, which has the lesser of 25 year amortization period or the remaining amortization of the mortgage to be switched, with less than 20% down payment from another financial institution with a mortgage default insurance to Alterna, for a residential property with an original purchase price under $1,000,000  who also meet other conditions. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.64%. Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

5 Year Fixed Rate Closed Mortgage – Conventional - 1.99%
*
Fixed high ratio promo and fixed special rates are discounted rates from the posted rates. If a mortgage product is not listed with high ratio promo or special rates, the posted rate will apply.
Special promotional rate may be changed or withdrawn at any time without notice. Applicable for new purchases and switches from other financial institutions only. Purchase price less than $1,000,000 and a loan to value under 80%. The amortization must be 25 years, or less. The mortgage to be switched is to have an amortization based on the lesser of 25 years or the same remaining amortization of the mortgage being switched and have an original purchase price under $1,000,000. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate 1.99%. Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Subject to credit approval based on Alterna’s lending guidelines. Mortgage incentives of up to $1,000. Blends and refinances are not eligible. Applies to owner-occupied primary residential properties only.

The Financial Services Regulatory Authority of Ontario's (FSRA), formerly DICO, provides deposit protection for all eligible deposits held at Ontario credit unions. This deposit insurance is part of comprehensive depositior protection program for all Ontario credit unions and is backed by provincial legislation. Subject to coverage limits, eligible deposits held with FSRA member institutions are automatically insured; you do not have to apply for coverage. For further information on deposit insurance, please ask for a brochure at the credit union or visit the FSRA’s website at www.fsrao.ca/

1-877-560-0100Book a Phone Appointment

Congratulations! You are about to embark on what will likely be one of the biggest purchases of your life—buying your first home! This journey is an exciting one and we’re here to help.

Get in touch with us today.

On Mobile? 1-877-560-0100Book a Phone AppointmentCall 1-877-560-0100

Choose the right mortgage for you