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Masks are REQUIRED to be worn in all NPSCU Branches.
In response to the COVID-19 Pandemic we are monitoring the situation and keeping Members informed here: COVID-19 Resources

Buying A Home


Made Easy

Buying a home? We're with you every step of the way.


*Terms and Conditions Apply. Special Rate of 1.99% only available for default insured mortgages. Conventional mortgage rate of as low as 2.19%. Call us for more details or visit our Rates Page.

Are you planning to purchase a home in the near future? Let North Peace Savings & Credit Union help you through the home buying process.

Our experienced mortgage advisors can assist you in making the best choice for you and your family. Before you start your home-buying process, give us a call. We’ll help you understand what’s involved – the steps and costs – and discuss a mortgage pre-approval with you to get you on your way.

We have mortgages for every lifestyle!

  • Buying your first home
  • Buying your next home
  • Buying vacation or rental property
  • Renovating your home with a home equity line of credit
  • Renewing your mortgage
  • Switching your mortgage to North Peace Savings & Credit Union

Fixed or variable rates and cash back.  We have a mortgage suited for you!

If you’re looking for mortgage pre-approval before you start your home search, or are interested in a second opinion before you buy, talk to one of our Mortgage Advisors today.

We’ll provide you with mortgage options suited to your lifestyle.

When it comes to approving, it’s done quickly and locally

Don't Miss Out!

Call 1-877-787-0361 or click here book an appointment to Speak to a Mortgage Advisor today:

North Peace Savings & Credit Union can help you through the home buying process. We make it as simple as possible for you. 

5 Year Variable Rate Mortgage
for a limited time only.

Up to $3,000 in cash back!
(conditions apply)

*Terms and conditions apply. This is a NPSCU Prime -1.0% offer and is subject to change at any time.

Open Mortgage

This mortgage has no prepayment penalties and is available for a 1 year term at either a variable or fixed rate. It is ideal if you are expecting additional funds to pay down the mortgage. It is also a good option if you plan to sell your home, but not transfer the mortgage to another home.

Closed Mortgage

Our closed mortgage lets you pay a fixed or variable interest rate during the term you choose. Generally a fixed-term mortgage is offered at a lower rate than an open term mortgage. With this mortgage you also have the option of paying off any or all of the balance owing on the mortgage at any time, but with an interest penalty.


A Home Equity Line of Credit enables you to finance whatever you wish, based on the equity in your home. It provides flexibility to match your needs in life and payments can be as low as interest only or you can pay the balance at any time with no prepayment penalty.

Purchase Plus Improvement Program (PPI)

PPI combines a home improvement loan with your mortgage, in one convenient transaction. PPI allows you to make improvements to your home immediately after taking possession of the purchased property. Learn more here.

Our experienced mortgage specialists can assist you in making the best choice for you and your family. We understand the importance of you obtaining a mortgage that is tailored to suit your needs.

Down payment as low as 5% with CMHC or Sagen mortgage insurance

Life and Disability Protection, Critical Illness and Loss of Employment Coverage

90 day rate guarantee

Choice of payment options — weekly, bi-weekly, semi-monthly, or monthly options all available


North Peace Savings and Credit Union allows you to make an annual lump sum payment on your mortgage equal to 20% of the original amount borrowed and allows an annual increase in your scheduled payments by 20%, on the contract date of the mortgage.

Remember, your mortgage is usually your cheapest debt, but if it's your only debt, you can pay it off too.