Fixed Rate Mortgage

If you’re looking for a mortgage that makes payments more predictable and budgeting easier, a fixed-rate mortgage could be the right choice for you.

With a fixed-rate mortgage, your rate is fixed or locked in for the entire term of your mortgage, so your payment stays the same. Your interest rate also stays the same therefore you know how much interest you will pay for the whole term and what your balance will be at the end of your term.


  • Save money with competitive, flexible prepayment options. Convenient accelerated weekly or accelerated bi-weekly payment schedules can save thousands of dollars in interest payments over the life of your mortgage.
  • Make extra payments in addition to your regularly scheduled payments to help pay your mortgage off faster. You can make annual 20% lump sum payments or pay up to double your regular payment.
  • Gain peace of mind with low-cost life, disability, job loss, and critical illness insurance options available for single or joint coverage.


  • Renewal terms of 12 months to 5 years. 
  • Competitive rates.
  • Pre-approvals available.
  • Maximum amortization - 30 years. 
  • Financing Available: up to 95% financing available with mortgage insurance provided by either CMHC or Sagen Insurance, with 25 year amortization.
  • Property taxes can be collected and paid each year by East Coast Credit Union on behalf of the owner upon request (Municipality fees may be applicable).
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Get started today!

You can apply for this mortgage option by contacting one of our financial professionals either online, by phone at any of our branches or via our toll-free number to book your appointment today.


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