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Your homebuying journey starts here

Turn your dream into your dream home. With a range of flexible options, there’s a mortgage to suit all situations and finances.

The East Coast CU Mortgage

Customize a mortgage for your home and life

Keep things predictable, or customize your mortgage with benefits and features to fit your life. Choose from our suite of flexible mortgage options. 

The freedom of choice

  • Find the best interest rate for you and your financial goals with fixed or open term mortgage options
  • Select monthly, semi-monthly, bi-weekly, or weekly payment plans
  • Pay out up to 20% of your mortgage without penalty

Add options and features

  • Use the equity in your home to fund renovations, major purchases, or travel
  • Borrow more to renovate your home at the time of purchase
  • Want no down payment or cash back? We have options for you
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Special mortgage rate

For a limited time only

Take advantage of our low 5.10% mortgage rate available for a limited time!

* On approved credit. Terms and conditions apply. Offer subject to change without notice.

Mortgage rates

Interest rates

Rates for some of our most popular mortgages and terms starting at:

Variable rate*

P+ -0.25%

1 year


3 years


5 years

View all rates

*Add the current prime rate for the variable mortgage rate

Popular mortgage options

Home sweet home, for less

East Coast CU knows mortgages, and we’ll help you find your fit. Get cash back, or pay less upfront with two of our most popular options.

Discover flexible options

Total Access Home Equity

Assess up to 80% of your homes value using a variety of products including mortgages, home equity lines of credit, and loans. This mortgage option makes debt management easy by consolidating your borrowing needs into one simple payment.


  • Save on interest by consolidating debt
  • Access up to 80% of your home's current value
  • Choose between fixed and variable rates



Pay less up front

Borrowed Down Payment Mortgage

Often the hardest part of buying a home is saving up the down payment required. We hear you and we say, no down payment, no problem. Choose this mortgage option and take your first step toward home ownership.


  • Get help with closing costs
  • Access cash back
  • Borrow your down payment
  • Pay for renovations and other expenses



Flexible mortgages

Mortgages for what home means to you

East Coast CU flexible mortgages help you tell your story of home. We’ll guide you through the process, whether it’s welcome to Nova Scotia or welcome to the neighbourhood.

International students

International Student Mortgage

We think there’s something special about Nova Scotia, and we’re glad you think so too. Put down roots here with a convenient and flexible mortgage option for international students looking to buy a home.


  • 1 year term rates up to 25 years amortization
  • Minimum down payment of 35%
  • Maximum financing of $500,000



For mobile/modular homes

Mobile/Modular Home Mortgage

Homes come in all shapes and sizes—get the one that’s right for you. Enjoy a cozy mobile home to call your own, either on owned property, or in a mobile home community with this flexible mortgage option.


  • Special rates for mobile home mortgages
  • For new or used mobile homes
  • For own property or in a mobile home park



Do more with your East Coast CU mortgage

Unlock home equity

Use the equity built up on your home for financial freedom. Tackle a reno project, pack your bags for a trip, or even pay off high-interest debts. Explore the possibilities with a Home Equity Line of Credit.


Renovate when you buy

You have a vision to turn your house into a home, and you’re ready to get to work. With the Purchase Plus Improvement Program, you can buy a home, renovate it, and pay for it all in one mortgage payment.


Access equity anytime

Go for the mortgage that does more. A convenient way to manage all of your credit needs in one place, with one product. Total Access Home Equity is a flexible solution to put your home to work for you.


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. Keep reading for more 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 buying 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.


Ready to crunch some numbers?

Use our mortgage calculator to compare products and get an idea of what your home ownership budget might look like.

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