Choosing a mortgage is as important as choosing the home! We can show owners the financial options available and help them choose the best mortgage to suit their budget, lifestyle and general needs!


  • Save money with open prepayment option after first year.
  • Convenient weekly or bi-weekly payment schedules can actually save thousands.
  • Peace of mind with low-cost life, disability and job loss insurance for single or joint coverage.


  • Flexible repayment term - choice of amortization.
  • Open option allows you to repay any amount without penalty.
  • Renewal terms of 6 months to 5 years
  • Choice of Closed/Open mortgage.
  • Competitive rates.
  • Pre-approvals available.
  • Pay up to double your monthly payment without pre-payment charges.  In addition each year 20% of the original mortgage balance can be pre-paid without penalty.
  • Maximum amortization - 25 years.
  • Semi-annually or monthly statement with a chequing account. - Financing Available: 95% with CMHC insurance.
  • Payments via payroll deductions, automatic transfer from St. Joseph's Credit Union account, or Automatic Funds Transfer from another institution.
  • Property taxes: Can be collected and paid each year by St. Joseph's Credit Union on behalf of the owner upon request.


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