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    Helping homeownership happen for you

    The Borrowed Down Payment Mortgage could be the perfect solution to help your dream of home ownership come true—especially for first time home buyers.

    Key benefits:

    • Borrow to help with all or part of your down payment
    • Then receive up to 5% cash back on your mortgage amount to repay the down payment loan
    • You’re left with your mortgage payment, and home sweet home

    Flexible options:

    • Your loan can cover your down payment and/or your closing costs
    • Choose between fixed and variable rates
    • Set your own repayment options, amounts, and schedules
    • Access funds using online banking, debit card, ATMs, etc.

    Why choose this loan?

    It’s convenient

    Access funds in many ways, when and where you need it. Set your own schedule and amounts. 

    It's flexible

    With our flexible options, we can lend you your down payment or help with your closing cost.

    Make dreams happen

    Our cash back offer can help pay back your down payment loan or help with other mortage costs.

    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.

    Unlock home equity

    Home Equity
    Line of Credit

    Use the equity in your home to make purchases you need. Explore the possibilities while lowering your borrowing costs with this mortgage option.


    • Borrow up to 80% of the value of your home
    • Save money with a lower interest rate
    • Flexible repayment options



    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.

    Tips for homeowners

    Advice for your home ownership journey

    Already signed on the dotted line? Find tips and tricks about renovations, home maintenance, and financing in the articles below.


    Looking to

    Renos don’t have to be stressful. Get useful info on financing options, so all you’ll have to worry about is finding the perfect tile or paint colour.


    Home Financing

    The Real Home Financing Cost Checklist

    This detailed checklist will help you keep track of all the extra costs that sneak up (and add up!) when purchasing a home.


    Home Maintenance

    Tips for maintaining your home

    Welcome to homeownership, where maintenance is a year-round job. Be prepared for every season, and the changes they bring to your home and your budget.

    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 with experts like Anastasiya Kamzeeva

    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