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Secure one of Ontario's lowest mortgage rates1
5-year High Ratio Mortgage at 4.19%*

For a limited time, you may be eligible to get up to $5,500** cash when you get a mortgage with YNCU.
 

Trusted by over 65,000 members and growing.

 
 
 

Limited Time Offer

Mortgage rates as low as

4.19%
 
 

Don't miss out on a low rate of 4.19%* with our 5-year High Ratio mortgage.

Schedule your in-person meeting here or call us at 1-844-444-0411 to speak with an advisor now.

 

Why choose YNCU?

While it sounds cliché, here at YNCU our members come first. As a credit union we don’t have the stock pressures of big banks, so we can prioritize your financial well-being over profit. Given the economic uncertainty we’re facing in this country, our job is to make you feel confident about your future. We’ll help you earn, save, and protect your money. We also help the local communities where we do business, because we know the financial health and security of our members require investments at both individual and collective levels.

Whether you’re comparing mortgage rates, trying to understand the difference between fixed and variable terms, or figuring out what fits your budget and lifestyle, we’re here to help with transparent advice.

At YNCU, you can expect:

  • Competitive mortgage rates with flexible terms

  • Expert guidance from local Mortgage Specialists who put your goals first

  • A variety of mortgage options, including high-ratio and conventional mortgages

  • Tools to help you compare rates and calculate monthly payments

 
 
 

Here are some commonly asked mortgage questions

 

1Compared to publicly advertised residential mortgage rates for 5-year High Ratio mortgages from major Canadian financial institutions and credit unions as of August 4, 2025.

*4.19% available on 3 to 5-year High-Ratio mortgages. On approved credit. Terms and conditions apply. Rates are subject to change at any time without notice. Alternate terms and rates available. Contact your branch for details.

**Cash back amount for new mortgages ranges from $1,500 to $5,500, based on the mortgage value and the number of eligible products opened. Offers available on approved credit. Terms and conditions apply.