Mortgages

Niverville Credit Union Mortgages

A home may be the biggest investment you will ever make. When contemplating a mortgage it is a good idea to get the advice of a professional from Niverville Credit Union. Whether you are buying a home for the first time or renewing your mortgage, we understand the importance of working out the best possible mortgage package, so your home or renovations are truly affordable. 

We recognize that having flexible repayment and prepayment options is very important to mortgage holders.

Did you know that Credit Unions were the innovators of bi-weekly payments that substantially reduce the interest costs of your mortgage? 

We stretch your mortgage dollar with competitive interest rates and no hidden charges or penalities so that your mortgage can be free and clear as quickly as possible. 

NCU's mortgage features include:

    •    CMHC or Genworth insured mortgages available
    •    Home equity financing
    •    Life and disability insurance available
    •    Group home owners insurance, with bi-weekly payment option
    •    Builder's mortgage loans available
    •    Construction mortgage available
    •    20% Prepayment privilege
    •    Portability

Pre-Approved Mortgages

Speak to one of our Consumer Lenders before you buy and we'll show you all the advantages of having your financing in place with a Niverville Credit Union pre-approved mortgage. We'll show you how to have a manageable mortgage that gives you the peace of mind knowing that your home or renovations are affordable.

    •    Helps you determine what you can afford
    •    Interest rate guaranteed for 120 days - if rates drop in that time period you get the lower rate
    •    A pre-approved mortgage puts you under no obligation and is cost free
    •    Rapid pre-approval - usually within two days

Home Equity Loans / Equity Lines of Credit

If you have equity in your home and need to borrow money for home renovations or major purchases, a Home Equity Loan or Equity Line of Credit could meet your needs. With a Home Equity Loan or Equity Line of Credit, you pay a lower interest rate than a normal Personal Loan and you can repay the loan over a longer period of time so your monthly payments are more managable.

All Home Equity Loans and Lines of Credit can be repaid at any time without penalty.
 

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