Mortgages

Mortgages

Low Rate Mortgage (Insured High Ratio)
6 Months (Convertible)
4.25%
1 Year Fixed Closed
3.34%
2 Year Fixed Closed
3.44%
3 Year Fixed Closed
3.49%
4 Year Fixed Closed
3.59%
5 Year Fixed Closed
2.24%
Variable Rate - 3 Year
3.45%
Variable Rate - 5 Year
2.95%
2 Year Fixed Closed (Special Promotion)*
1.98%
DUCA Mortgage (Flex)
6 Months (Convertible)
4.35%
1 Year Fixed Closed
3.79%
2 Year Fixed Closed
3.79%
3 Year Fixed Closed
3.84%
4 Year Fixed Closed
3.94%
5 Year Fixed Closed
2.89%
6 Year Fixed Closed
4.89%
7 Year Fixed Closed
5.09%
Variable Rate - 3 Year
3.55%
Variable Rate - 5 Year
3.25%
First Rate 2nd Mortgage
6 Month (Convertible)
4.60%
1 Year Fixed Closed
4.04%
2 Year Fixed Closed
4.04%
3 Year Fixed Closed
4.09%
4 Year Fixed Closed
4.19%
5 Year Fixed Closed
3.14%
Variable Rate - 3 Year
3.80%
Variable Rate - 5 Year
3.50%
Co-op and Co-ownership Mortgage
6 Month (Convertible)
5.45%
1 Year Fixed Closed
4.89%
2 Year Fixed Closed
4.94%
3 Year Fixed Closed
4.99%
4 Year Fixed Closed
5.09%
5 Year Fixed Closed
4.99%

 

* Must fund by September 30, 2020. Conditions apply.

Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice.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. Other conditions and restrictions apply. Products and their features may change at any time. Variable interest rates may change at any time. This is a general description only. For more information and product terms and conditions contact your branch.

Each annual percentage rate (APR) is calculated based on a mortgage of $100,000 with monthly payments and a 25-year amortization. APR assumes no fee(s) apply. If we require you to obtain an appraisal, or incur any additional fee(s) it would increase your APR. All residential mortgages are calculated half-yearly, not in advance.

Flex mortgage rates are subject to 10 bps increase for mortgage amortization greater than 25 years.

When switching to DUCA, Members are eligible for a credit of up to $1,000 to cover their switching costs. This applies to mortgages of $400,000 or more.

To learn more about DUCA's Posted Rates, Early Prepayment Charges and Interest Rate Differential (IRD), please see here.