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    Get more from the equity in your home


    Access up to 80% of your homes value whenever you need it. This mortgage option makes debt management easy by consolidating your borrowing needs into one simple payment.

    Key benefits:


    • Save on interest by consolidating your existing debt under one loan
    • Access up to 80% of your home’s current value
    • Access the equity in your home any time, for any reason

    Flexible options:


    • 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.

    It's flexible

    Your repayment plan, your way. Set your own schedule and amounts.

    It saves you money

    Save on interest by consolidating debts and making one easy payment.

    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.

    Features:

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

    VIEW DETAILS

    SEE RATES

    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.

    Features:

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

    VIEW DETAILS

    SEE 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.

    Renovating

    Looking to
    renovate?

    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.


    READ ARTICLE

    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.


    DOWNLOAD CHECKLIST

    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.


    READ ARTICLE
    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