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    Build or renovate your dream home

    Whether you're a first-time homebuyer or an experienced homeowner, a construction mortgage can be as unique as the project you're financing. Some projects that are good candidates for a construction loan include:

    Home renovations:

    • A purchase of an existing home that requires renovation
    • Renovations to your current home as part of a mortgage refinance that includes your existing mortgage and construction costs

    New home construction

    • Building your dream home on a lot you already own
    • A new home purchase where the builder requires payment in installments as the home is being completed

    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

    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