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​A great home starts with a great mortgage


Conditions apply

3 Year Fixed High Ratio Mortgage

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Conditions apply

5 Year Fixed High Ratio Mortgage

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​Meet a Mobile Mortgage Specialist

Get the mortgage advice you deserve anytime, anywhere, for your convenience.

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​Find a branch to get advice

Meet with your Mortgage Specialist to discuss your mortgage plans and needs.

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​Member Connect

Speak to a DUCA Member Connect Representative at 1-866-900-3822

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Mortgages to fit your life

Great rates, personal service, advice and a range of ways to use mortgage options to fit your needs today and achieve the goals you have for the future.

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​Low Rate Mortgage

A great option for first-time homebuyers and future homeowners looking for an affordable monthly payment.

  • Multiple payment schedules to fit your needs
  • Up to 20% annual lump sum prepayment options
  • Convenient mortgage transfer package
  • Switch to DUCA and we'll cover the transfer fees: Up to $1,000 (for mortgages $400,000+) or up to $250 (mortgages under $400,000)
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​Second Mortgage

Sometimes you need more borrowing power and this mortgage certainly delivers. Avoid incurring the costs of breaking your low rate first mortgage to access more funds to live your life more fully.

  • Fixed rate available on 6 months to 7 year terms
  • Variable rate available on 3 or 5 year terms
  • A great option to access extra funds
  • Excellent for consolidating debt into one monthly payment
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​Co-op Mortgage

Financing the purchase of a co-operative residence is different from a traditional home purchase. But you can still buy with confidence as we offer all the features and benefits of a traditional DUCA mortgage.

  • Available in fixed rate or variable rate options
  • Multiple payment schedules to fit your needs
  • Portable (take it with you if you move) upon DUCA approval
  • Pre-approval available
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Home Equity Line of Credit

Take advantage of the equity you have built in your home. Lower borrowing costs and access to credit for unexpected expenses, that special project or whatever you want to accomplish.

  • One time application to have access to credit you deserve
  • Competitive interest rates
  • Pay interest only on what you use
  • Convenient access to funds when you need it
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​Mortgage calculator
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​Mobile Mortgage Specialist

1Rates are subject to change without notice at any time. Assuming no additional fees are charged, the Annual Percentage Rate is the same as the Interest rate. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply. All applicants must meet the DUCA Financial Services Credit Union lending criteria. Products and their features may change at any time. Variable interest rates may change at any time. Prime Refers to the DUCA Prime Rate. This is a general description only. For more information and product terms and conditions contact a DUCA branch or one of our Mobile Mortgage Specialists.