3.99% on 3-Year Fixed High Ratio Mortgages - Limited Time Offer!
Serve Proudly. Live Comfortably. Home sweet home starts with us. FOR NEW MORTGAGES ONLY.
...and we want to help you achieve it with these great low rates.
4.09%* | 3.99%* | 4.19% |
| 3-Year Closed Fixed Conventional | 3-Year Closed Fixed High Ratio | 5-Year Closed Fixed High Ratio |
*FOR NEW MORTGAGES ONLY. Check out more great rates here | ||
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 2026
FREE NINJA NUTRI BLENDER
Free Ninja Nutri Blender 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 Real Estate Market Trends for February 2026 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!
A convenient way to be alerted of fraudulent activity
Be Protected, Get Alerted
Get Cash rewards When You Buy Or Sell A Home!
All-Purpose Realty Cash Back Offer
We'd like to thank our members for their continued support
Celebrating 80 Years
* Mortgages:
O.A.C. Rates are subject to change without notice. Some restrictions apply. Quoted rates are based on blended payments of principal and interest and the regulatory Annual Percentage Rate (APR) if there is no cost of borrowing other than interest. Interest on Fixed mortgages is calculated half-yearly, not in advance. Includes purchases, refinances, and renewals.
Additional interest premiums may apply in cases of a refinance, amortizations greater than 25 years, non-owner occupied, or other instances where application details may warrant it. The qualifying rate is currently 5.25% or the contract rate at the time of application plus 2% whichever is higher.
The interest rate with variable rate mortgages will fluctuate with the Credit Union Prime Rate, which is currently 4.45%. Interest on Variable rate mortgages is calculated and payable monthly.
A High Ratio mortgage is applicable in cases where a borrower puts a down payment of less than 20% of the Purchase price or Appraised Value of the home whichever is less. Refinances, renewals and amortization periods of greater than 25 years is not available. Effective December 15, 2024 30 year amortization periods may be available for first-time homebuyers or members purchasing a newly built home. An amortization period beyond 25 years is subject to a 0.20% surcharge which is applied to the total loan amount.
For High Ratio mortgages a purchase price of $500,000 or less requires a down payment of 5%. When the purchase price is above $500,000 and under $1,500,000, the minimum down payment is 5% for the first $500,000 and 10% for the remaining portion.
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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