Speak to a mortgage advisor to get the mortgage you deserve and start saving today.

or

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.

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.

THE
PERFECT
MATCH

*Terms and conditions apply. 3-Year High ratio fixed mortgages. The Annual Percentage Rate (APR) is based on a $200,000 mortgage, 25 year amortization, for the applicable term assuming monthly payments and a property valuation fee of $350. If no fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate displayed.

For more information, and to find out more about our product terms, conditions, and application process, please visit us in branch, or call us at 1.877.560.0100.

 The rates above are for general informational purposes only and are subject to meeting Alterna’s lending guidelines.

Promotional or special rates are discounted from the posted rate for the same term.

Posted, special and promotional rates are subject to change or withdrawal at any time without notice and cannot be combined with any other offer or discount, unless otherwise stated in any other offer or discount.

1. Applies to owner-occupied primary residential properties only and only to customers for a high ratio mortgage with a 25-year amortization period and less than a 20% down payment, purchasing a residential property valued at under $1,500,000 or subsequent renewing of such a loan. Borrower must purchase mortgage default insurance. Applicable for members switching their existing high ratio mortgage to Alterna. The switched mortgage must have an active mortgage default insurance certificate. Blends and refinances are not eligible.

2. Fixed interest rates calculated semi-annually not in advance.

† 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/.

Great rates and advice, plus...

3-YEAR
HIGH RATIO FIXED