Personal Mortgage

Synergy Credit Union has numerous financial products with various interest terms and rates for each. We evaluate individual loan application on its own merits and customize a financing lending program accordingly. Synergy Credit Union rates are competitive. Our staff use their specialized financing expertise to adapt loan products, terms and rates to the needs of each individual. Synergy Credit Union encourages all new or existing customers to talk with an expert at their local Synergy branch for a mortgage financing program designed for them.

Limited Time 5-Year Mortgage at 1.84%*!

30 month mortgage special 2 The balance between spending your time on what you love and your financial obligations is something we know full well takes a lot of commitment. If you own a home or are looking to purchase one, we can help make this easier.

We're excited to offer a new limited-time 5-year mortgage option at 1.84%. This could be a great fit for anyone considering being a homeowner for the first time, purchasing a vacation property or even renewing your mortgage.

Check out your mortgage options to find one that works for you.

Simplicity Mortgage - Variable RateRate*
Prime +0.00% 2.450%

Simplicity Mortgage - Fixed RateRate*
1 year 2.590%
2 year 2.240%
3 year 2.190%
4 year 2.240%
5 year (Conventional) 2.090%
5 year (CMHC Insured) 1.840%
6 year 3.140%
7 year 3.140%
Open Mortgage - Variable RateRate*
Prime +2.00% 4.45%
Open Mortgage - Fixed RateRate*
1 year 6.500%
Super Mortgage - Variable RateRate*
Prime +1.00% 3.45%
Super Mortgage - Fixed RateRate*
1 year 3.090%
2 year 3.240%
3 year 3.190%
4 year 3.240%
5 year 3.090%
6 year 4.140%
7 year 4.140%
Construction Mortgage - Variable RateRate*
Prime +3.00% (Interest Only) 5.45%

*Our mortgage interest rates are compounded bi-annually, but not in advance like some others may be. Some conditions may apply to the posted personal mortgage rates; rates are provisional upon approved credit.

Please note: Interest rates are subject to change without notice at any time.

Additional Information:

  • Annual Percentage Rate (APR) is the total cost of credit expressed as an annual percentage taking into account both interest (AIR) and various non-interest finance charges (for example, appraisal fees).
  • The annual percentage rate (APR) will be the same as the stated rate (AIR), assuming there are no cost of borrowing charges (for example, appraisal fees).
  • Applicable to residential mortgages only and subject to Credit Union lending criteria for residential properties. Some conditions apply.

Fixed Rate Mortgage Example


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