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Whether you’re buying your first home, renovating your current home or buying a new one, we’ll help you put together the perfect mortgage to match your needs.


Where are you on your homeownership journey?

Buying a home

Getting pre-approved for a mortgage is quick and easy with us!

Apply - Single Applicant

Apply - Joint Applicants

Switching my mortgage

Our mortgage experts will help you make the move with ease.

Renewing my mortgage

Our experts can help you set up your renewal in no time.


Why choose an NDCU mortgage?

Fast, local approvals

Forget waiting around. Our decisions are made locally so approvals are done faster.

Pre-approved rates

Pre-approve your mortgage, with our competitive rates guaranteed for up to 60 days.

Flexible options

Get a fixed, open or variable rate mortgage with flexible repayment options: monthly, semi-monthly, bi-weekly, or weekly.

Tailored term lengths

Benefit from customizable terms as short as 6 months and as long as 5 years, with up to 30 years amortization.

Pre-payment available

Prepay, at any time, up to 20 per cent of your original mortgage balance per year.

Readvanceable for future needs

Re-borrow funds you’ve paid down to reach future goals, without paying extra legal fees.


Our mortgage options

Ask us about the best option for your needs.

CMHC Insured Mortgage

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Construction Mortgage

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Mobile Home Lending

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Land Lending

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Have questions or need help choosing the right mortgage for you?

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See how much you can afford to borrow and what your payments could look like.

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Explore our latest, competitive mortgages rates.

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Take advantage of mortgage protection

Emergencies happen. Mortgage protection can include life, disability, critical illness, and loss of employment insurance to ensure life’s curve balls don’t impact your ability to make your mortgage payments.

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Build your business with a commercial mortgage

Be it new construction, industrial buildings, multi-use spaces or developments, we offer the competitive rates, flexible terms and in-depth local knowledge to help your business grow.