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Residential Mortgage Rate Specials

5 Year Fixed High Ratio Mortgage

130-day rate guarantee, plus we'll cover your appraisal costs*

5 Year Fixed Mortgage

130-day rate guarantee, plus we'll cover your appraisal costs*


*Some conditions may apply.  All rates are based on approved credit. Talk to us for more information.


Get up to $3,000 CASHBACK with our current mortgage special

Available for a limited time
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Discover the benefits of a Northern Birch mortgage:

  • Pre-approvals available 
  • Appraisals paid by the credit union (up to $500) 
  • No fee chequing and savings accounts for everyone

You're not just another number to us. Our members are our owners, we put you first.  
  • We offer various mortgage terms and specials
  • Our team is here to help walk you through the approval process
  • Looking for a different type of property? We are your co-op and co-ownership experts.

Energy Efficient Home Savings

Our partners CMHC & Sagen offer rebates when you purchase an eco-friendly home. Talk to us to learn more. 

Find the perfect mortgage for your perfect home

We'll help you finance your dream home with our great mortgage rates and expert advice at every stage of your homebuying journey.

First-Time Borrower Mortgage


We have special offers for First-Time Borrowers with Northern Birch. Perfect for buying your first home. 

Key Features
  • Special rates available with 130 day rate guarantee 
  • Pre-approvals available
  • Fixed or variable rates 
  • No minimum square footage requirements 
  • Conventional mortgages available up to 80% and high ratio insured available up to 95%
  • Home-Buyers' Plans qualify

Residential Mortgage


Offering you various options to fit your home-buying needs.

Key Features
  • 1st and 2nd mortgages
  • Open or closed term mortgages
  • Fixed or variable rates
  • Pre-approvals available 
  • Optional mortgage insurance
  • Conventional mortgages available up to 80% and high ratio insured available up to 95%
  • For owner-occupied properties

Simple-Interest Mortgage


Pay down your mortage faster with our Simple-Interest Mortgages.

Key Features
  • Fixed monthly payments of principal allowing for a faster repayment of principal over the life of the mortgage
  • Monthly payments typically go down each month as interest costs decrease
  • Achieve savings up to 30% of total interest costs over the life of your mortgage

Recreational / Investment Property Mortgage


Perfect for cottage or rental properties.

Key Features
  • Pre-approvals available
  • Financing up to 80% for investment properties and up to 75% for recreational properties
  • Includes properties that are not on municipal services
  • Cottages, 2nd homes, rental properties and more
  • For properties up to 4 units

Mortgages available for properties in Ontario only. 


Take a look at our latest mortgage rates

See your mortgage options

Get the advice you need to secure your home


Savings Calculator

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Mortgage Calculator

Choose a mortgage rate and we'll help you figure out a payment option that works for you.


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