Home ownership is a journey. We'll support your every step.

Whether you're a first-time homebuyer or just need mortgage advice, we can help.

No two households’ financial needs are the same. You can trust that Public Service Credit Union will provide you with honest advice and mortgage products that fit your needs. We will help you on your journey to achieving your homeownership goals.

Book an appointment with one of our mortgage experts. We will provide you with honest advice when it comes to saving for a down payment, buying a home, refinancing, renewing, using the equity in your home, renovations, energy efficient upgrades such as a heat pump, reviewing incentives for first-time homebuyers, and more.

Mortgage Options

Features of a PSCU Mortgage



  • 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.
  • Renewal terms of 6 months to 5 years
  • Choice of Closed/Open mortgage.
  • Competitive rates.
  • Pre-approvals available.
  • Maximum amortization - 25 years.
  • Semi-annually or monthly statement with a chequing account. - Financing Available: 95% with Sagen™.
  • Payments via payroll deductions, automatic transfer from Public Service Credit Union account, or Automatic Funds Transfer from another institution.
  • Property taxes: Can be collected and paid each year by Public Service Credit Union on behalf of the owner upon request.

Non-assignable during term chosen.

  • Saves money - lower interest rate due to security.
  • Peace of mind with life, disability and job loss insurance available.
  • Security will normally be a member's principle or secondary home.
  • Value of loan up to 80% of property’s value.
  • Floating rate starting at Prime
  • All relative costs, i.e. legal, appraisal, etc. can be paid from the approved HELOC.
  • Flexible weekly, biweekly, monthly, or interest only repayment schedules available.


Apply Now

Tools and Resources

Check out our helpful mortgage calculators to determine how much you can borrow, estimate your mortgage payment, compare scenarios, and to see which mortgage product is right for you.

Buying your first home? Check out our Guide to Homebuying for information designed specifically for you.

For homeownership tips and advice, check out our mortgage articles, videos, and podcast episodes on

Click here to view our mortgage rates.

*On approved credit. Certain terms and conditions apply. 5-year fixed rate.