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Personal Mortgages

  1. BORROW
  2. Personal Mortgages

Owning a home is a big deal, and choosing the right mortgage is just as important. Whether you're buying, renovating, or refinancing, we offer mortgage products and friendly expertise to make the process easier.

Simplicity Insured Mortgage
A flexible option for buyers with less than 20% down—ideal for first-time homeowners.
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Simplicity Mortgage
Designed for buyers with 20% or more down, offering our lowest rates and added flexibility.
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Synergy Super Mortgage
Access extra funds at mortgage rates for non-mortgage needs—flexible and convenient.
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Synergy Variable Rate Convertible Mortgage
Enjoy stable payments with the freedom to switch to a fixed rate if your needs change.
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Synergy Open Mortgage
Pay off your mortgage faster with no prepayment penalties and full payment flexibility.
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Synergy Construction Mortgage
Built for your homebuilding journey—advance funds as needed with interest-only payments during construction.
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Personal Mortgage APR* Example

*An APR represents the total yearly cost of borrowing money, expressed as a percentage of the principal loan amount. The annual percentage rate (APR) will be the same as the stated annual interest rate (AIR), assuming there are no cost of borrowing charges (for example, appraisal fees). Applicable to residential mortgages only and subject to Credit Union lending criteria for residential properties. Some conditions apply.

Simplicity Insured Personal Mortgage

5-year rate 5.79% (+$600 appraisal fee)
APR 5.878%

Smart Moves for Every Stage of Your Mortgage

From renewal to pre-approval to prepayment, discover how to make informed decisions and maximize your financial flexibility.
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Get Pre-Approved with Confidence

A mortgage pre-approval is a great first step in your homebuying journey. Start your search knowing what you can afford.
Learn more & apply
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Renew Your Mortgage with Ease

Learn when to renew, what your options are, and how to make the most of your next term—with tools, tips, and expert advice.
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Pay Off Your Mortgage Faster

Understand your prepayment options, avoid penalties, and take control of your mortgage.
Discover more

Preparing for Your Appointment

Here is information that will be required from you (and your co-applicant, if applicable) for your online pre-approval application or if you are coming into the branch to see us:

  • Basic information (date of birth, physical address, etc.)

  • Employer information,

  • Net worth statement,

  • Verification of income (two items of verification required). This includes:

    • One of:

      • last paystub, two months of direct deposit history, current letter of employment,

    • Plus, one of:

      • previous year-end paystub, most recent T4, most recent Notice of Assessment.

    • If you are self-employed or do not have these types of verification, please contact us for alternatives.

  • Down payment statement or letter stating where the funds are coming from for the down payment, as well as the length of time it has been available,

  • If you are not a Synergy member yet, two pieces of personal identification (such as your current/valid driver’s license, provincial health card, birth certificate).

If you have any questions or need further assistance, please don't hesitate to contact us at 1-866-825-3301.

Empowering Through Education

Get the answers, tips, and tools you need to feel more confident at every step of your homeownership journey.
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Navigating Home Ownership with the Synergy Home Handbook

Buying a home can be complicated. The Synergy Home Handbook offers invaluable resources to guide you through every step of the process.
Begin here
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What’s the Real Cost of Your Mortgage?

Understanding APR (Annual Percentage Rate) helps you see the full picture—not just the interest rate. Learn how fees affect your mortgage and why APR matters when comparing offers.
Learn more about APR
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Not All Mortgages Are Equal

A mortgage is a major purchase, so it is important to know you have the package and lending professional that is right for you. Today’s market offers borrowers a tremendous choice of loan products and new opportunities...
Read on

Offers & Promotions

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Get up to $2,500 cashback* with the Mortgage Cashback program.

Discover how
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Get stability and peace of mind with a great mortgage rate.

4.19% 

5-Year Simplicity Insured Mortgage

See all rates
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Protect your significant investment with flexible and affordable coverage from CUMIS.

Contact CUMIS at 1-800-810-2847 to speak with a Licensed Insurance Representative or get an online quote*.

*Conditions apply.
Get a quote

Payment Protection

When illness, tragedy or job loss strike, the last thing you want to be concerned with is how you’ll pay your mortgage or loan. We can make sure you’re covered with a wide range of payment protection products that will safeguard you and your family from financial loss should difficult times arise.

Mortgage coverage
  • Life
  • Disability
  • Loss of Employment
  • Eligible Critical Illness

Review your coverage to match your life today.

From new milestones to unexpected changes, make sure your insurance still protects what matters most.
Learn more

MEMBER PERKS
Online Mortgage Pre-approvals

A mortgage pre-approval is a great first step in your homebuying journey. By being pre-approved, you can confidently begin your house search.

By applying for a mortgage pre-approval* at Synergy, our goal is to provide you with a TRUE approval – this is so much more than a mortgage pre-qualification.

What makes this even more convenient? We’ll be in touch with you quickly and no later than the next business day.

*Good to know:  If you are pre-approved with Synergy, it means that we have stated that you qualify for a mortgage loan based on the information you have provided and subject to certain conditions. Your mortgage pre-approval will specify a term, interest rate and principal amount. This is a helpful step, as it can give you a clearer picture of how much you may be able to afford.


How it works:

Start your online application now and receive your pre-approval amount along with a 120-day guaranteed interest rate.

If you are moving your mortgage to Synergy, make sure to ask about our Mortgage Cashback program.

If you have more questions, our mortgage specialists will be happy to assist you.


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Book an Appointment

Apply Online

If you don’t mind entering information on a secure platform and there are two or less applicants, this is a good choice for you.
*Please note, the application cannot be saved once you have started. It's a great idea to check out the "To help you get ready" section below.
Start now

Speak to a Mortgage Specialist

If you prefer to discuss your needs with a specialist, or if there are more than two applicants, this is the best path for you.
Book an appointment
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