O.A.C. Rate subject to change. No purchase necessary. Some conditions apply.

* One winner will be selected for the $2,500 cash prize. You must renew, refinancing, switch, or open a mortgage with PACE Credit Union  and be approved.

What is a High Ratio Mortgage?

Home Ownership is exciting but finding the right mortgage is essential.  As a member of PACE Credit Union you could benefit from a wide range of mortgages, great rates and personalized advice from our mortgage specialists. Unlock the doors to your home with a PACE mortgage today!

Ownership Is Easier With A PACE Mortgage

What Mortgage Are You Looking For?

Learn more about buying your next home or downsizing.

Learn about PACE mortgage options and get advise from our mortgage specialists.  

Learn about renewing, switching or refinancing to a PACE mortgage.

Special Mortgage Rates






Fixed High Ratio

2 Year - Closed

Fixed High Ratio

3 Year - Closed

Fixed High Ratio

4 Year - Closed

Fixed High Ratio

5 Year - Closed


5 Year - Closed


*Special Mortgage rates starting as low as 2.65%.O.A.C. Rates subject to change. Some Conditions Apply.

First Home Buyer?Renew, Switch or Refinance?
Mortgage Calculator

How much can I borrow?  How much will my mortgage payment be?   

Which mortgage option is right for me? Calculate Now!

A high ratio mortgage from PACE Credit Union helps you buy a home with just 5% down versus the 20% down payment required for traditional mortgages.  Flexible payments allow you to pay weekly, bi-weekly or monthly and you have the option of paying down 20% of the principal each year.  You can even use the RRSP Home Buyer’s Plan to fund the down payment.  PACE is your path to home ownership.

PACE High Ratio Mortgage Includes: 

  • PACE-setting rates! Our low mortgage rates are hard to beat.
  • Approved CMHC and GE Capital Lender, up to 95% of appraised value
  • Fast PACE applications! Get pre-approved before you buy!
  • Option to pay down 20% of the original principal annually.
  • The ultimate in flexible payments: weekly, bi-weekly or monthly - tied to your paydays!
Buying A Home?


Contact a Mortgage Specialist



Let's Discuss Your Mortgage Needs

Find a BranchCall UsBook An Appointment

You're perfect mortgage solution is just a conversation away. Contact one of our mortgage specialists.

We are encouraging virtual appointments during this time.