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New home, and help along the way

With a Cash Back Mortgage, get up to $25,000 cash back* on your new, refinanced, or renewed mortgage, which you can then put towards many moving related expenses. Because, when buying a home, costs can really add up.

Key benefits:

  • Available for residential mortgages
  • Funds credited to your account on day of closing or date of renewal
  • Can be used for many purposes including deed transfer tax, closing costs, moving expenses and more
  • Cash back will help pay back your borrowed down payment

Flexible Options:

  • Access your money at time of purchase or renewal
  • Choose from variable and fixed interest rates
  • Enjoy flexible weekly, biweekly, or monthly repayment schedules

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.

Pay back down payment

Use cash back to repay any downpayment loans used towards your new home.

Pay for moving costs

Pay fees like the deed transfer tax, closing costs, moving costs, and more with the cash back from your mortgage.

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 with advisors 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

* A maximum of $20,000 cash back awarded, based on 5% of mortgage amount. Terms & conditions apply.