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    Unlock the funds you need

    Be prepared for anything that comes your way with the Home Equity Line of Credit. Use the equity in your home to give you financial freedom, while lowering your borrowing costs.

    Key benefits:

    • Borrow up to 80% of the value of your home
    • Use to finance renovations, education, emergency repairs, or a large purchase
    • Save money with a lower interest rate
    • Rest easy with life, disability, and other insurance options

    Flexible Options:

    • Access your money whenever you need it
    • Choose from variable and fixed interest rates
    • Enjoy flexible weekly, biweekly, or monthly repayment schedules
    • Easily access funds through online banking, ATMs, your debit card, and more

    What can you use it for?

    Finance home renovations

    Increase the value of your home while upgrading it to suit your style and practical needs.

    Take that dream vacation

    Pack your bags and take that well-deserved vacation you ‘ve been dreaming of.

    Make a big purchase

    Use the equity in your home to make important purchases or cover large expenses.

    Other mortgage features

    Do more with your mortgage

    Go for more than basic with a variety of mortgages from East Coast CU. Borrow equity from your home to make purchases, or add to your mortgage and renovate when you buy.

    Access equity anytime

    Total Access Home Equity

    Manage all your credit needs under one product. This mortgage option allows you to use up to 80% of your home’s current value.


    • Consolidate debt into your mortgage and save on interest
    • Access your home equity at any time
    • Choose your flexible payment arrangement



    Renovate when you buy

    Purchase Plus Improvement Program 

    Start your DIY right after you buy. Renos don’t have to wait with this flexible solution that rolls costs right into your mortgage.


    • Buy and renovate within one mortgage
    • Upgrade immediately after buying
    • Fund improvements at lower rates


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    Canada Greener Home Grant

    Upgrade with a greener homes grant

    The Greener Homes initiative from Efficiency Nova Scotia offers grants of up to $5,000 to help homeowners make energy efficient upgrades to their primary residences. To qualify, Canadians must obtain an EnerGuide assessment prior to installing any upgrades.

    See how much you could borrow

    Use our loan calculator to determine the amount you can borrow and what your repayment schedule might be.

    These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your branch to seek personalized advice from qualified professionals for all personal finance issues.

    From navigating buying a home and picking the mortgage that's right for you, I am here to provide honest and transparent expert advice to help members make their dreams come true.

    We're here to help

    Understand your mortgage options

    Mortgages can be complicated—know your options with expert guidance from advisors like Anastasiya:

    • Understand your options
    • Find the best solution for you
    • Get the lowdown on mortgage features
    • Ask about speciality mortgages