Can’t decide between a fixed rate or a variable rate mortgage? With a Northern Savings mortgage, you can attach multiple loan agreements to your mortgage with different rates and terms, so you can get the best of both worlds.

When it comes to additional borrowing, you can attach new term loans or a home equity line of credit (HELOC) quickly and easily, whenever the need arises and without additional legal fees.

As your borrowing power increases, you can use your Northern Savings mortgage to: consolidate debt, fund your child's education, renovate your home, or start a new adventure. Whether you choose to do some of these things, none of these things, or different things entirely, your Northern Savings mortgage will always provide you with the freedom of knowing you can.

Perks For First-Time Home Buyers

We understand that purchasing your first home can be a financial struggle; that's why we offer perks for first-time home buyers! Want to learn more? Contact us >


  • Weekly, bi-weekly, semi-monthly, or monthly payment options
  • 120 day rate guarantee** 
  • Terms from 6 months to 5 years
  • Finance up to 95% of the value of your home
  • Maximum amortization of 30 years


  • Competitive rates
  • Flexible payment options
  • Variety of terms
  • Local expert advice

Need Down-Payment Help?

If you are new home buyer, you may be eligible for the BC HOME mortgage program!  Learn more >


Insuring Your Home

Once you have chosen the mortgage that suits your needs, it’s time to think about protecting your investment.


Lending Appointment?

Get your money faster; come prepared to your lending appointment.  Learn more >

    *Applicable to residential mortgages only and subject to Northern Savings Credit Union's lending criteria for residential properties.

    **Except promotional rates.