Welcome to the neighbourhood. 

When you invest with us, those funds are distributed back by way of loans, mortgages and donations to people, businesses, and groups in our very own communities - that's neighbours helping neighbours at work!

If you need mortgage advice or payment relief, renovation assistance, or are in the market to purchase a home – we are here for you. Enjoy local approvals, a wide range of products and competitive rates.

Neighbourly Advice

Get mortgage advice from someone who gets to know you first. Our local lending experts are your neighbours and will look at your entire financial picture to ensure your mortgage works for you now and in the future.  Contact us >


  • Terms from 6 months to 5 years
  • Finance up to 95% of the value of your home
  • Maximum amortization of 25 years
  • Competitive rates
  • 90 day rate guarantee²


  • Attach multiple loan agreements to your mortgage with different rates and terms
  • Add additional loans whenever the need arises without additional legal fees
  • Pay off your mortgage sooner with our flexible payment options (weekly, bi-weekly, semi-monthly, or monthly)
Northsave Mortgage Specials*
Northsave Mortgage 1 Year Closed 1.59%
Northsave Mortgage 2 Year Closed 1.74%
Northsave Mortgage 3 Year Closed† 1.85%
Northsave Mortgage 4 Year Closed 1.99%
Northsave Mortgage 5 Year Closed 2.09%

Secure Your Rate

Found a rate you like? Call your local branch today for your rate guarantee!

Protect Your Home

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


Go Green

Want to make energy efficiency improvements to your home? Take advantage of our EnergySave loan - offering manageable, lower-interest loans and mortgages for your eco-upgrades. Learn more >


Be Prepared

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

    ¹Applicable to residential mortgages only and subject to Northern Savings Credit Union's lending criteria for residential properties. Rates are subject to change without notice. Rates are based on risk. Rates may be higher depending on the application and type of property selected. See your branch for more details.

    ²Except promotional rates.

    The Annual Percentage Rate for a representative mortgage of $300,000, which has an appraisal fee of $450 and lawyer’s fees estimated at $1,400, with interest compounded semi-annually not in advance, with an interest rate of 2.29%, with a 36 month term which will be repaid in 300 months with payments of $1,312.73 per month is 2.494%. If there are no cost of borrowing charges, the APR and the interest rate will be the same. Cost of borrowing for this duration with no altered payments is $21,453.95.