Personal Mortgages
What are your homebuying needs?
Are you looking for a place to unwind and relax away from the daily stress? Or did you fall in love with a rental cabin last summer and have been wanting to go back ever since? If you're looking for your home away from home, we can help!
Your new home is built to fit your needs, your mortgage should be too. Whether you are looking to build from scratch or purchase a ready-to-move (RTM) home, we have the expertise and experience needed to get you in your dream home.
Switch your mortgage to Cornerstone Credit Union with our Mortgage Switch Program, and we'll cover up to $1,250 in associated fees!
Personal Mortgage Products
Our Straight Rate Variable with Cap Mortgage offers the best rate you can have in a simple contract. It provides the flexibility of a floating rate with the added security of a capped rate.
Our Straight Rate Mortgage is just that – a straightforward mortgage offering the lowest rate and prepayment flexibilities, without any extra perks.
It has no extra features and no add-ons (i.e. Does not qualify for equity; no skip-a-payment option; no early renewal option, etc.) – just the best rate you can have in a simple contract.
*Straight Rate Mortgage has additional terms and conditions. Contact us to determine if this mortgage type suits your needs.
You can access funds up to 80% of the value of your home. So go ahead – consolidate your debt, renovate your home, purchase a new vehicle, or invest in your future – the choice is yours!
We provide different term lengths, convenient repayment schedules, prepayment flexibilities, no hidden charges or penalties. And of course – our rates are always competitive.
When it comes to life's goals, buying a home is one of your biggest, but we know that purchasing a home can feel overwhelming. Let us help simplify it for you with a true pre-approval.
What to bring to your appointment
- If you're new to Cornerstone - one piece of photo - government issued identification
- Three recent paystubs or T4s; and one current paystub
- Three years personal income tax
- Offer to purchase
Have you found the perfect mortgage product?
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Resources
We know how important your financial wellness is.
Visit Cornerstone's Knowledge Centre for resources, articles, tips and tricks that can help make things
easier when it comes to your financial health.
Savings Options for Your First Home
What to Look For in a Mortgage
The Mortgage Stress Test
mortgage, you need to know about the mortgage stress test.