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

Renewing, Switching or Refinancing Your Mortgage

You have changed and so have your mortgage needs.  Renewing, refinancing or switching to PCU has never been easier. As a member of PCU you benefit from a wide range of mortgages, great rates and personalized advice from our mortgage specialists. Unlock the doors to your home with a PCU Mortgage Today!

PCU Mortgages

Special Mortgage Rates




Fixed High Ratio

3 Year - Closed

Fixed High Ratio

4 Year - Closed

Fixed High Ratio

5 Year - Closed


*Special Mortgage rates starting as low as 2.10%.O.A.C. Rates subject to change. Some Conditions Apply.

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 PCU can help 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.

PCU 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!

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

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* We are encouraging virtual appointments during this time. 

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What is a High Ratio Mortgage?

What is a Mortgage Renewal?

If your mortgage is not paid off at the end of your mortgage term, your lender will provide you with a renewal package – complete with term and rate options. If you choose to accept and wish to stay with your current lender, you’ll simply need to agree to the new term and interest rate – to cover the remaining amount.

What does it mean to Switch or Transfer your Mortgage?

If you wish to move your mortgage to a different lender or bank, the process to complete this change is called a switch or transfer. This is a great option for those looking for better rates and support.

What is a Mortgage Refinance?

Refinancing is the process of renegotiating your mortgage loan by increasing the amount and changing the conditions of your mortgage term. This is typically done to consolidate debt, access equity in your home, and reduce interest rates.