Mortgage Special

Here at YNCU, we understand that buying a home is a significant purchase, and our experts are here to make the transition as smooth as possible for you. We will take care of everything, and ensure your home-buying process is an enjoyable one.

Current Mortgage Special Rates

Term & Product


5 Year High Ratio Insured


4 Year High Ratio Insured


5 Year Conventional


4 Year Conventional


Rates and terms subject to change.

Free Chequing Account

In order to streamline and simplify the home-buying process, we offer all of our mortgage holders our best packaged chequing account, absolutely free of charge. Over the course of a five-year mortgage term, that’s over $1000 in savings. The account includes unlimited free monthly transactions, including Interac E-Transfers and Point-of-Sale transactions. When was the last time your bank gave you something for free?

Conditions for Home Free Chequing Account**:

  • Must be a YNCU member (new or existing)

  • Must have a mortgage product with YNCU

 Being a First Time Home Buyer is an exciting (and stressful) time! Our Keys to Home Buying guide is a great resource filled with all the information you need to make your home buying experience easier! Click the icon below to download!

*On approved credit. Terms and conditions apply. 1.99% rate on 4 year insured mortgages only. 1.79% rate on 5 year insured mortgages only. Rates are subject to change at any time without notice. Alternate terms and rates available. Contact your branch for details.

**Terms and conditions apply. Based on Home Free Chequing Account. $1019.40 savings based on 5 year mortgage term and chequing account pricing at $16.99/month. Contact your branch for details.


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