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  1. Rates & Fees
  2. Mortgage Rates

Personal Mortgage Rates

Compare today’s mortgage rates and find the option that aligns with your homeownership goals. Quickly explore the rates below to see what fits your budget and future plans.
Simplicity Mortgage Rate* (Insured) Rate* (Conventional)
Variable (Prime - 0.50%) 3.95% 3.95%
Fixed (1-Year) 4.99% 5.34%
Fixed (2-Year) 4.59% 4.94%
Fixed (3-Year) 4.04% 4.39%
Fixed (4-Year) 4.09% 4.44%
Fixed (5-Year)
 4.09% 4.44%
Open Mortgage Rate*
Variable (Prime + 2.00%) 6.45%
Fixed (1-Year)
7.59%
Super Mortgage Rate*
Variable (Prime + 0.50%) 4.95%
Fixed (1-Year) 5.84%
Fixed (2-Year) 5.44%
Fixed (3-Year) 4.89%
Fixed (4-Year) 4.94%
Fixed (5-Year) 4.94%
Personal Construction Mortgage Rate*
Variable (Prime + 2.00% - interest only) 6.45%

*Rates are provisional and subject to approved credit. Mortgages are compounded semi‑annually, not in advance. Rates may change without notice.




Understanding APR
  • The Annual Percentage Rate (APR) reflects the total cost of borrowing, including the interest rate and any required fees.
  • If there are no additional cost‑of‑borrowing charges (such as appraisal fees), the APR will match the posted rate (AIR).
  • Applicable to residential mortgages that meet Credit Union lending criteria. Some conditions apply.



Which mortgage fits your homeownership journey?

Explore mortgage options designed for different stages, goals, and budgets.
Simplicity Insured Mortgage
Best for first‑time buyers with <20% down.
More Details
Simplicity Mortgage
Designed for buyers with 20% or more down, offering our lowest rates and added flexibility.
More Details
Personal Super Mortgage
Access extra funds at mortgage rates for non-mortgage needs—flexible and convenient.
More Details
Variable Rate Convertible Mortgage
Stable payments now with the option to lock into a fixed rate later.
More Details
Personal Open Mortgage
Prepay anytime with no penalties for maximum flexibility.
More Details
Personal Construction Mortgage
Build in stages with interest‑only payments during construction.
More Details
Ready to move forward with confidence?
Whether you’re ready to apply or want expert guidance, we’re here to support your next step.
Start a Pre-approval Book an Appointment

Current offers for homebuyers

Packing in a book filled room

Make your move a little easier with up to $2,500 cashback* on your new mortgage.

See how the program works and what you could qualify for.
*Terms and conditions apply.
Explore details
Mature Couple With Dog 553X275

Lock in stability with a great mortgage rate.

4.09% 

5-Year Simplicity Insured Mortgage

See all rates
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