Banking local pays
Earn a $1,500* cash incentive when you open a new mortgage or when you switch your current mortgage to a Total Access Home Equity option.
Mortgage options built around you
Whether you’re shopping for a mortgage or already have one, we’re here to help you make the most of it. With flexible options, local expertise, and support that puts your goals first, we make homeownership simpler and more rewarding.
Plus, for a limited-time, we're offering a $1,500* cash incentive when you move your mortgage to East Coast CU, open a new mortgage, or switch your current East Coast CU mortgage to a Total Access Home Equity option.
*Limited-time. Conditions apply
Interested in learning more?
Start your mortgage application:
Special mortgage rate
Home sweet home, for less!
Looking to buy, renew, or switch your mortgage? Our special rate helps you save, with personalized support from local experts that put members first.
*Rates are subject to change without notice.
Popular mortgage options
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.
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.
Features:
- Save on interest by consolidating debt
- Access up to 80% of your home's current value
- Choose between fixed and variable rates
Mobile and 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.
Features:
- Special rates for mobile home mortgages
- For new or used mobile homes
- For own property or in a mobile home park
First-Time Homebuyers Program
Developed in partnership with the Government of Nova Scotia and available through East Coast Credit Union, this program makes the journey towards homeownership more affordable and attainable for Nova Scotians who are looking to purchase their first home.
Features:
- Purchase a home with as little as 2% down
- Affordable and attainable homeownership
- No extra fees or insurance premiums
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.
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.
Looking for more mortgage options?
Turn your dream into your dream home. With a range of flexible options, there’s a mortgage to suit all situations and finances. Review and compare our suite of flexible mortgage options.
