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.


  • Weekly, bi-weekly, semi-monthly, or monthly payment options
  • Terms from 6 months to 5 years
  • Finance up to 95% of the value of your home
  • Maximum amortization of 25 years


  • Competitive rates
  • Flexible payment options
  • 90 day rate guarantee**
  • Variety of terms
  • Local expert advice
Northsave Mortgage Special*
Northsave Mortgage 1 Year Closed 2.60%
Northsave Mortgage 2 Year Closed 2.65%
Northsave Mortgage 3 Year Closed 2.70%
Northsave Mortgage 4 Year Closed 2.80%
Northsave Mortgage 5 Year Closed 2.90%

Insuring Your Home

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


Want to do an energy efficiency upgrade?

Are you a homeowner looking to make energy efficiency improvements? Our EnergySave loan offers manageable, lower-interest loans and mortgages so you can get your upgrades done! Learn more >


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.