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Mortgage Special

Summer is here and home buying season is upon us! Here at Community First, we understand that buying a home is a significant purchase, and our experts are here to make the transition as smooth as possible for you. We will take care of everything, and ensure your home-buying process is an enjoyable one. With great rates and specials for First Time Home Buyers and those looking to make the switch to Community First, it’s never been a better time to join our neighbourhood.

Current Mortgage Special Rates

Term & Product


5 Year High Ratio Insured


4 Year High Ratio Insured


3 Year High Ratio Insured


5 Year Conventional


4 Year Conventional


3 Year Conventional


Rates and terms subject to change.

1. 3-Year Low Rate Mortgage Special

For a limited time only, Community First is offering a special low rate of 1.95% on new 3-year insured and conventional mortgages.
*On approved credit. Terms and conditions apply. 1.95% rate available on a 3 year mortgage. Alternate terms and rates available. Contact your branch for detail

2. First Time Home Buyers $500 Credit

We want to get First Time Home Buyers set up the right way, and we offer a variety of solutions to ensure this monumental purchase is taken care of. As a special limited time offer, First Time Home Buyers will receive a credit of $500 into their Community First mortgage payment account.

Conditions for $500 Credit Offer**:

  • Must be a Community First member (new or existing)

  • Eligible on 4 and 5 year mortgage terms only

  • Mortgage payment must be coming from a Community First account

  • Payroll deposit and one pre-authorized bill payment must be coming from a Community First account

  • 1 pre-authorized savings account required

Being a First Time Home Buyer is an exciting (and stressful) time! Our Keys to Home Buying guide is a great resource filled with all the information you need to make your home buying experience easier! Click the icon below to download!

3. $500 Mortgage Switch Program

Have you thought about moving your mortgage over to Community First but didn’t want to deal with the hassle and switch fees charged by your bank or financial institution? Community First is now offering you the opportunity to make the switch – and we will take care of all the work and up to $500 in switch fees!

Conditions for $500 Switch Fees Offer+:

  • Must be a Community First member (new or existing)

  • Must bring over a new-to-Community First mortgage with another financial institution

  • Terms and conditions apply and include approved credit other factors

4. Free Chequing Account

In order to streamline and simplify the home-buying process, we offer all of our mortgage holders our best packaged chequing account, absolutely free of charge. Over the course of a five-year mortgage term, that’s over $1000 in savings. The account includes unlimited free monthly transactions, including Interac E-Transfers and Point-of-Sale transactions. When was the last time your bank gave you something for free?

Conditions for Home Free Chequing Account++:

  • Must be a Community First member (new or existing)

  • Must have a mortgage product with Community First

*On approved credit. Terms and conditions apply. Contact your branch for details.

**Terms and conditions apply. $500 mortgage payment credit available to first time home buyers only. Must be a YNCU member and have payroll deposit and a minimum of one (1) pre-authorized bill payment and one (1) pre-authorized savings account. Eligible on four (4) and five (5) year terms only. Contact your branch for details.

+Terms and conditions apply. Eligibility dependent on credit and other factors. Must bring a new mortgage to YNCU from another Financial Institution and up to $500 in switch fees will be covered. Contact your branch for details.

++Terms and conditions apply. Based on Home Free Chequing Account. $1019.40 savings based on 5 year mortgage term and chequing account pricing at $16.99/month. Contact your branch for details.


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