Mortgage Special

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

First Time Home Buyers

As a special limited time offer, First Time Home Buyers will receive a $500 credit into their YNCU Home Free Chequing Account (or other YNCU account where automatic withdrawal of mortgage payments occurs).

Conditions for $500 Credit Offer*:

  • Must be a YNCU member (new or existing)

  • Existing members will qualify if they are first time home buyers only

  • Mortgage payment must be coming from YNCU account

  • Payroll deposit and two pre-authorized payment must be coming from YNCU Account

Mortgage Rate Specials

Term & Product


5 Year High Ratio Insured


5 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!

*Terms and conditions apply. On approved credit. $500 mortgage payment credit available to first time home buyers only. Must be a YNCU or Community First member with payroll deposit. Must have a minimum of two bill payments using YNCU or Community First chequing account completed within the first 8 weeks of mortgage closing. Contact your branch for details.

**Terms and conditions apply. On approved credit. 2.39% on 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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