PERSONAL MORTGAGES
Owning a home is a big deal, so choosing the right mortgage is as important as finding the right house. Whether you’re about to buy or are ready to renovate or refinance, we’ve got the mortgage products and friendly expertise you need to make it easier. We can also help you choose products that will improve your cash flow and protect your investment. We can help you choose a mortgage, or you can review our options then can contact us in branch , online or by phone to get the process started.
Simplicity CMHC Mortgage
- amortization up to 25 years
- terms up to 7 years
- competitive interest rates
- a 20% annual prepayment option
- multiple repayment options
Simplicity Mortgage
- amortization up to 25 years
- terms up to 7 years
- competitive interest rates (fixed or variable rates)
- a 20% annual prepayment option
- automatic transfers or self-service payments
- multiple repayment options
- the option to re-advance on the anniversary date of your mortgage
Synergy Super Mortgage CMHC
Getting a mortgage is an ideal time to build in flexible options you might need now or in the future for things like renovating or consolidating finances. Designed for home buyers starting with a down payment of less than 20%, the Super Mortgage CMHC sets you up for success from the start and makes it simple to adjust your payments to fit your needs. It also offers:
- the option to pay as little as 5% down
- competitive interest rates
- no prepayment penalties
- automatic transfers or self-service payments
- multiple repayment options
- multiple fixed rate options
- a term of up to 25 years
- ProfitShares rewards
Synergy Super Mortgage
If easy access to additional funds at mortgage rates sounds good to you, consider our Super Mortgage. Once your pre-approved limit is set, you can request funds by phone, email or in-person and use them to make non-mortgage purchases at mortgage rates. You can also split your credit limit into five sub-loans to help you manage where the money is being used. You also get:
- fixed or variable terms on your mortgage or sub-loans
- competitive interest rates
- 20% annual prepayment option on a fixed term
- no prepayment penalty on variable rate loans
- choice of blended (principal plus interest) or interest-only payment option
- multiple repayment options
- ProfitShares rewards
Synergy Open Mortgage
- down payment options that start at 5%
- competitive interest rates
- 1-year fixed rate term OR 3-year variable rate term
- automatic transfers or self-service payments
- multiple repayment options
- a term of up to 25 years
- ProfitShares rewards

CMHC's role in purchasing your home
Planning to buy a home can be one of the most exciting times in people’s lives and understanding the role of CMHC can help you better prepare.
Personal Construction Mortgage
If you’re planning on building or purchasing a ready-to-move (RTM) home, our Personal Construction Mortgage flexes to your needs as they arise during each phase of your build, advancing a percentage of funds as inspections are approved. When your dream home is finished, you can switch to a Synergy mortgage with amortizations of up to 25 years. It also offers you:
- interest-only monthly payments during the construction period (up to one year)
- the option to pay as little as 5% down
- competitive interest rates
- automatic transfers or self-service payment
- multiple repayment options
- ProfitShares rewards

Mortgage Switch Program
Ready to move? Are you looking at different mortgage options? We will pay up to $1,500 of the fees associated with moving your mortgage.
Limited Time 5-Year Mortgage at 1.94%
- pay stubs for the past 3 months
- a letter from your employer verifying position and pay OR
- your most recent Notice of Assessment
- your employer's legal address
- current list of assets with approximate amount or value of the assets
- current list of liabilities, including:
- current balance
- payment amount
- authorized limit for credit card or line of credit, if applicable
- direct deposit information
Take the Major Purchase Assessment
Whether you’re applying for your first mortgage, renewing, switching or refinancing, our mortgage team can help. As local experts, they understand the unique challenges of buying and owning a home in your community and will work hard to help you get the mortgage product you need.