Mortgage rates that help you make your next move
See current YNCU mortgage rates in Ontario, including fixed and variable options for conventional and high-ratio mortgages. Explore available terms, see our latest offers and find a mortgage rate that works for you.
Trusted by 65K+ members
YNCU prime rate
4.45%
Our current mortgage offers
5-year
3.80%*Learn more about 5-yearClosed variable mortgage special
Plus $1,000 bonus for all new mortgages over $200,0004. Conditions apply.3-year
4.49%*Learn more about 3-yearHigh-ratio fixed mortgage.
Plus $1,000 bonus for all new mortgages over $200,0004. Conditions apply.
Current mortgage rates
| Features | Conventional mortgage |
|---|---|
| 1-year fixed | 5.99% |
| 2-year fixed | 5.99% |
| 3-year fixed | 4.69% |
| 4-year fixed | 4.79% |
| 5-year fixed | 4.99% |
| 7-year fixed | 5.99% |
| Features | High-ratio mortgage |
|---|---|
| 1-year fixed | 5.99% |
| 2-year fixed | 5.99% |
| 3-year fixed | 4.49% |
| 4-year fixed | 4.59% |
| 5-year fixed | 4.79% |
| 5-year closed variable | 3.80% |
*Terms and conditions apply. Subject to approved credit. Alternate rates available. Rates subject to change at any time without notice. Contact YNCU for details.
* Advertised 3.80% annual variable rate applies to eligible five-year closed, high-ratio mortgages and is based on YNCU Prime less 0.65 percentage points. The rate changes with YNCU Prime. Subject to credit approval and lending criteria. Conversion to a fixed rate is subject to the mortgage agreement, applicable term requirements and rates available at conversion. APR may differ due to applicable charges.
⁴ $1,000 bonus available on qualifying new mortgages over $200,000 that meet the offer’s application and funding deadlines. Subject to credit approval and offer eligibility. Exclusions, payment conditions and limits apply. Combination with other offers is subject to the full offer terms.
⁵ Eligible new members who establish qualifying payroll direct deposit with YNCU may receive a mortgage rate reduction of 0.10 percentage points (10 basis points). Eligible products, qualification deadlines, discount duration and combination with other offers are subject to the full payroll offer terms.
Rates are provided for general information only and are subject to change without notice.
Interest rates are annual rates unless otherwise stated. Product terms, eligibility, minimum deposits, maximum deposits, payment frequency, fees, penalties, availability, and conditions may apply.
Mortgage and loan rates are subject to approved credit. Final rates, terms, and approval may depend on borrower qualification, product type, property details, mortgage amount, down payment, loan amount, security, and other lending criteria.
GIC and investment rates are subject to product terms and availability. Market-linked GIC returns are not guaranteed beyond any principal protection described in the applicable product terms, and actual returns may vary.
Foreign exchange rates change with market conditions. Some currencies may require advance ordering and may not be available at all branches.
Your Neighbourhood Credit Union Limited is a licensed credit union operating in, and under the laws of, the province of Ontario.