PERSONAL LENDING

You're the Boss® Mortgage

Our You're the Boss® Mortgage is full of flexible features designed to put you in control. Because saying hello to a mortgage shouldn't mean saying goodbye to life as you know it.

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Features:

  • Flexibility to make extra payments
  • Choose different rate types
  • Skip a payment once year
  • Can be a Members Get It® Mortgage
YTB – Variable Rate - Closed3
3.600 % 5-Year Term
Features:
  • Interest rate varies with prime, offering a lower rate than an open mortgage
  • Your monthly payments stay the same for the term
  • You can convert to any closed fixed rate mortgage term equal to or exceeding the then remaining term
  • Put extra money toward your mortgage anytime, up to 30% of your original mortgage amount (principal) per year
  • Available with up to $500,000 life and disability insurance
Best for you if:
  • You want the flexibility of switching to a closed mortgage at the right time
YTB – Half & Half® Rate2
3.90 % 5-Year Term
Features:
  • Your rate will be lower than a fixed rate but wont rise (or fall) as fast as a variable rate.
  • If the prime rate changes, the Half & Half Rate only moves by half the change to prime.
  • If you change your mind you have the option to convert to a fixed rate mortgage at any time.
  • Even though you get the advantages of both variable and fixed rates, its only one mortgage. Which means only one payment
Best for you if:
  • You cant choose between a fixed payment and a variable payment
  • You want flexibility to convert to a fixed rate at any time
YTB – Fixed Rate – Closed1
4.20 % 5-Year Term
Features:
  • Provides stability with a fixed rate and payments for the life of the term
  • Available as a 5-year term
  • Lower rates than an open mortgage
  • Put extra money toward your mortgage anytime, up to 30% of your original mortgage amount (principal) per year
  • Available with up to $500,000 life and disability insurance
Best for you if:
  • You're a short-term budgeter who doesnt want to worry about rate changes
House

Save and Take® Payments

With Save and Take Payments you can put your money toward your mortgage and withdraw it later if you need it. You'll pay off your mortgage faster this way because you incur less interest, even if you withdraw some of the money down the road.

Save
  • Make a prepayment – put extra money toward your mortgage anytime, up to 30% of your original mortgage amount (principal) per year.
  • Make extra scheduled payments – up to double your regular required payments.
Take
  • If life throws you a financial curveball, or you get an irresistible deal on a tropical vacation, withdraw (reborrow) your money when you need it.
  • There is no approval required, no fees, and it's much easier than applying for a loan.
Save and Take Tracker
  • We keep track of your saving and taking so you always know the total of the financial cushion you have to fall back on.
  • Log in to online banking to view your Save and Take Tracker balance anytime.
Step 1
Take no more than 10 minutes to complete the pre-approval form. We’ll get back to you within 2 business days.
Step 2
We’ll contact you to discuss your application including required documents, rates and terms.
Step 3

Finalize the mortgage at a branch of your choice.


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Mortgage questions? Let's chat.

Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm. Or, we'll come to you.

For residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. Interest rates effective May 15, 2018 and subject to change without notice. High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible. 

  1. Annual Percentage Rate (APR) on a 5-year closed mortgage, compounded semi-annually. If fees or charges apply, the APR could increase.
  2. Initial interest rate and the APR on a 5-year Half & Half Rate mortgage, closed mortgage, calculated monthly. The Half & Half Rate is a variable rate. When the Coast Capital Savings prime rate goes up or down, the Half & Half Rate goes up or down by one-half of the change in the prime rate. APR fluctuates with Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
  3. Initial interest rate and the APR on a 5-year convertible, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
  4. Pre-payment and reborrow rights are each subject to specific limitations, restrictions and conditions including minimum and maximum dollar amounts.

For information on changes to deposit insurance and the transition period if we become a federal credit union, see the notice pursuant to the Disclosure on Continuance Regulations (Federal Credit Unions).