Mortgages

Your home is likely one of the biggest purchases that you will ever make. That is why Belgian-Alliance Credit Union is committed to offering you a mortgage that will best suit your financial needs.

Belgian-Alliance Credit Union's mortgages are designed to offer a high level of flexibility. We offer a full range of mortgage terms from 1 to 5 years, as well as a variable rate option and your choice of either an open or closed prepayment option. Amortization periods of up to 25 years are available. Flexible payment options allow you to make your payments weekly, bi-weekly, semi-monthly or monthly. Cash Back options are also available to fund renovations or help with the purchase of needed items such as furniture, lawn equipment, etc.

Belgian-Alliance Credit Union offers both Conventional and High Ratio Insured Mortgages. High Ratio Insured Mortgages are mortgages that are insured by Canada Mortgage and Housing Corporation (CMHC) or Genworth. This insurance allows you to purchase a home with as little as 5% down.

Cottages & Rental Properties

Residential Mortgages are also available for cottages and rental properties. Contact your branch today for more information.

Get Pre-Approved

We invite you to contact us and get a pre-approval on your mortgage with Belgian-Alliance Credit Union. Getting pre-approved gives you peace of mind and allows you to focus on the homes that will fit into your financial situation. We provide this service for free to all of our members and non-members and there is absolutely no obligation to proceed with the mortgage after obtaining pre-approval. Interest rates are guaranteed for 90 days, allowing you time to search for your new home. We also offer an interest rate guarantee - if rates should fall within this timeframe, Belgian-Alliance Credit Union will offer you the lowest rate. What could be easier?
 

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