Mortgages made for real life

3- or 5-year fixed Conventional Mortgage | 4.09%*
5-year Variable Closed Mortgage | 3.55%*

Plus, get up to $1,824** in value when you combine our limited-time offers. Offers end June 27, 2026

Let’s start building your mortgage today.

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Buy a home

When you’re ready to purchase a new home, finding a competitive, flexible, and custom mortgage that fits your needs and lifestyle —today and in the future—is key. We’re here to help guide you, every step of the way.

Invest in your future with a house, condo, New-to-Canada, cottage, or vacation property mortgage.

Have questions? Fill out our form to connect with a lending specialist.

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Your first home, faster

Take the next step with a mortgage that works for you. With a High-Ratio Mortgage, you can get started with as little as a 5% down payment and requires default mortgage insurance. It’s a flexible option, backed by expert guidance and a special rate.

When you’re ready to buy, we’re ready with a mortgage made for real life.

Book an appointment

Build your dream home

Whether you’re handy with a hammer or you’re ready to hire a contractor, building a custom home is an exciting time. We’re here to help your dream home take shape by offering plenty of options throughout each stage of the building process.

Invest in your future with a self-build or contract-build mortgage.

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Renovate your current home

If you’ve been dreaming about a major renovation to increase the value of your home, add your personal touch, or modernize your home, we’re here to help you create a sound financial strategy that leaves room for the unexpected so you can pull together a successful home renovation project.

Explore the possibilities with a renovation mortgage.

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Where do you want to go next?

Every homeowner is unique. We believe mortgages should be too.

Our lending specialists will work with you to create a personalized solution to meet your needs. They’ll help you understand your options, give you advice, and guide you through every step of the process.

Your mortgage, your terms.

Variable and fixed rate mortgages
As little as 5% down payment
Up to 30-year amortization
Prepayment privilege, which allows you to pay an additional 20% each year

Learn about our pre-approval process

What members are saying

Without SCU, our dream would have never been possible.

My wife and I always dreamed of building a home outside the city. When we found the perfect piece of land, we were ecstatic, but quickly learned that purchasing vacant land required 50% down with a promise to build within a year. SCU offered a more affordable option that would allow us to build when the time was right. In less than a week, we secured financing, made an offer, and successfully purchased our land. Without SCU, our dream would have never been possible.

Adam and Rachel

Personable and great advice

I received incredible service when I got a mortgage. The lender went above and beyond when it came to mentoring and teaching me when I wanted to buy my first house. He was very personable and gave great advice in our meeting and in later emails. I felt like I could trust him. He even went in on a day off and finalized some paperwork with the appraisal. It was handled quickly when I really needed that. He continued to assist me over email and telephone until everything was wrapped up. After everything was done, he congratulated me. Honestly couldn't have asked for a better experience with it all.

Reece

Rates are current as of May 15, 2026 and subject to change without notice. Conditions may apply.

Account	Interest Rate
High-Ratio Fixed 1-year Mortgage	4.79%
High-Ratio Fixed 2-year Mortgage	4.19%
High-Ratio Fixed 3-year Mortgage	3.99%
High-Ratio Fixed 4-year Mortgage	4.19%
High-Ratio Fixed 5-year Mortgage	3.99%
High-Ratio Closed Variable Mortgage	3.55%
Conventional Fixed 1-year Mortgage	4.89%
Conventional Fixed 2-year Mortgage	4.29%
Conventional Fixed 3-year Mortgage	4.09%
Conventional Fixed 4-year Mortgage	4.29%
Conventional Fixed 5-year Mortgage	4.09%
Conventional Closed Variable Mortgage	3.55%
Conventional Open Variable Mortgage	4.45%

Borrowing rates last updated May 12, 2026. Rates subject to change without notice. High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20%, purchasing a residential property valued up to $1,500,000, who are eligible for and purchase mortgage default insurance and meet other conditions. Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater. See your lending specialist for rates on mortgages with alternative amortization periods. If fee(s) are required as part of the application processing, any fee(s) would increase your APR. Applicable to fixed and variable mortgages, the annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply.

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