3.99% on 5-Year Mortgages for a LIMITED TIME ONLY!
While others are raising rates we're dropping ours with both high ratio and conventional mortgages plus other exciting great offers on new mortgages only.*
...so take advantage before this great opportunity disappears!
3.99% | 4.04% | 4.09% |
| 5-Year Closed Fixed Conventional and High Ratio | 3-Year Closed Fixed Conventional | 3-Year Closed Fixed High Ratio |
Check out more great rates here | ||
Offer Applicable for New Mortgages Only
This offer applies to mortgages, switches, purchases or any mortgages we take over/payout and are new to us*
*Offer does not include pre-approvals and renewals or refinances with The Police Credit Union
We've got your back in making your mortgage experience a memorable one
We've got some of the lowest mortgage rates out there which get even better when you join our REWARDS Program.Guaranteed Savings - We will make sure bringing your mortgage to us won't be a costly endeavour. We offer free switches - value up to $1,500!*
Free Appraisal - We will offer a free property valuation for all new mortgages transferred in or for new purchases - value up to $350!*
Rate Protection - We will hold your rate for up to 120 days, if rates drop, we will honor the lowest rate available upon closing.
No Hidden Fees - We will be transparent about any internal fees you may be subject to.
Contact your Financial Services Officer today to find out more!
Special Offer from April 1st to August 31st 2025
$100 Home Depot Gift Card For New Home Buyers!
Free $100 Home Depot Gift Card while supplies last to members who secure a mortgage with us to purchase their first home.
The Police Credit Union has partnered with All-Purpose Realty offering our members an amazing offer!
Just use the APR listing website, from their established network of brand name real estate companies and you will receive a cashback reward based on the transaction vlaue of the home sale or purchase.
The cash incentive is $25 for each $10,000 increment of completed transaction value of the sale or purchase price.
Just use the APR listing website, from their established network of brand name real estate companies and you will receive a cashback reward based on the transaction vlaue of the home sale or purchase.
The cash incentive is $25 for each $10,000 increment of completed transaction value of the sale or purchase price.
Find your new home and receive Cash Rewards!
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Read up on the May Real Estate Market Trends for May 2025 courtesy of All-Purpose Realty
Let's Get You Started
Contact one of our Financial Services Officers to get pre-approved today!
...and take a look at these exciting offers!
Take advantage of this great rate before June 30th
Limited Time Vehicle Loan Offer!
Get Cash rewards When You Buy Or Sell A Home!
All-Purpose Realty Cash Back Offer
Get up to 2,000 Bonus Rewards Points!
Centra Gold Welcome Points Offer
Promotional Offer Disclosure
This promotional offer applies only to new mortgages, including:
• Switches from another financial institution
• Purchases of new properties
• Mortgages we take over or payout from another lender
This offer does not apply to:
• Pre-approvals
• Renewals or Refinances with the Police Credit Union
Offer Details
• Rate is valid for applications approved on our system prior to rate offer ending and closing within 120 days of approval.
Disclosure Terms
• All borrowers must meet standard credit guidelines.
• Mortgage terms, rates, and conditions are subject to change per lender guidelines.
• Additional fees, charges, or requirements may be disclosed upon approval.
Switch Disclosure:
• Switch: For switch transactions we will pay, when applicable, the basic title insurance fee for properties located in Ontario, property valuation fees up to $300 and one discharge fee. Offer eligible only for switch transactions approved by the Police Credit Union and carried out by First Canadian Title and only for new mortgages with a three-year or greater fixed term or a five-year variable rate term. Excludes mortgage penalties to break your mortgage term earlier.
This promotional offer applies only to new mortgages, including:
• Switches from another financial institution
• Purchases of new properties
• Mortgages we take over or payout from another lender
This offer does not apply to:
• Pre-approvals
• Renewals or Refinances with the Police Credit Union
Offer Details
• Rate is valid for applications approved on our system prior to rate offer ending and closing within 120 days of approval.
Disclosure Terms
• All borrowers must meet standard credit guidelines.
• Mortgage terms, rates, and conditions are subject to change per lender guidelines.
• Additional fees, charges, or requirements may be disclosed upon approval.
Switch Disclosure:
• Switch: For switch transactions we will pay, when applicable, the basic title insurance fee for properties located in Ontario, property valuation fees up to $300 and one discharge fee. Offer eligible only for switch transactions approved by the Police Credit Union and carried out by First Canadian Title and only for new mortgages with a three-year or greater fixed term or a five-year variable rate term. Excludes mortgage penalties to break your mortgage term earlier.
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