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Home ownership? Let’s go!


Your home ownership journey starts now. Our expert mortgage advisors will help you to understand your best options and make informed decisions.

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Get pre-approved

Set your budget so you know what you can afford.

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Find your home

Work with real estate experts to find the right home.

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Make an offer

Consult legal experts and find your down payment.

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Finalize mortgage

Choose your mortgage terms, get the keys and move in!

Mortgages tailored to your lifestyle



A mortgage is really just a loan you use to purchase property, and typically pay back over a long period of time. The key is to find the one that’s right for you. First, a little bit of knowledge goes a long way.

Fixed
A fixed rate mortgage locks your interest rate in for the term of your mortgage. Payments are predictable, budgeting is easier.


Variable
A variable rate mortgage changes with prime rate. Your payment remains the same throughout the term. If prime rate reduces, more of your payment goes towards the prinicpal amount and less towards interest.

What is amortization?
Amortization refers to the length of time it takes to pay off a mortgage in full. An amortization schedule is the schedule of payments over your mortgage’s lifetime.


Open term
An open term mortgage allows you to pay off your mortgage any time, without penalty. It offers flexibility and is a good option when selling your home.


Closed term
A closed term mortgage is generally at a lower interest rate than an open term. This will help you save interest and give you peace of mind knowing payments will not change during the term.

Monthly
A monthly mortgage payment means you make a single monthly payment that is due on the same date each month.


Bi-weekly payments
A bi-weekly mortgage payment allows you to pay your mortgage every two weeks. This option allows you to make smaller individual payments that can coinside with your paycheque.


Accelerated payments
An accelerated mortgage payment is either weekly or bi-weekly. By paying a little extra each payment, this allows you to pay down your mortgage faster and save interest over the term of your mortgage.

From navigating buying a home and picking the mortgage that's right for you, I am here to provide honest and transparent advice to help members make their dreams come true.

We’re here to help

Experts like Anastasiya Kamzeeva are here to help

Mortgages can be complicated. Understand your options with expert guidance from advisors like Anastasiya:

  • Know how mortgages work
  • Get pre-approved for a mortgage
  • Look at all your options
  • Find your best solution

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Ready to crunch some numbers?


Use our mortgage calculator to compare products and get an idea of what your home ownership budget might look like.

These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your branch to seek personalized advice from qualified professionals for all personal finance issues.

Take the first step toward home ownership