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Your mortgage should get you more:
More flexibility, more options.


Apply today  See all rates

Why get a Crosstown Civic mortgage?

Apply with confidence using our hassle-free pre-approval process. Make flexible payments on your schedule, within your budget.

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Get cash back now.

Buying a new home? We’ll give you $500 cash back** when you open a mortgage on a new home with Crosstown Civic Credit Union.

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Transfer-in fees covered.

Moving your mortgage to Crosstown Civic? We’ll pay your transfer-in fees from any other financial institution up to $800.***

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Purchase Plus Improvements

Love the house but hate the bathroom? Our Purchase Plus Improvements Plan gets you more mortgage so you can make improvements on the property with as little as 5% down.

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Earn profit with Member Rewards.

Crosstown Civic members are true owners of the organization and are eligible to share in the annual profits through our Member Rewards program. That means we pay YOU to be a member. What’s your share of $64 million?

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Lock in your rate any time.

Buying, renovating or building from the ground up? Lock in any time with our five-year variable rate. If prime increases, you can choose to convert to a fixed-rate term equal to or greater than your remaining variable term.


Get more from your mortgage: Apply today


Apply online today using our secure credit application process, visit your local Crosstown Civic branch to meet with a financial advisor, or arrange for one of our mobile mortgage specialists to meet you at a time and place convenient for you.

Tools + Resources

Do you qualify for a mortgage? How much interest can you save refinancing your mortgage? How long will you be paying it off?

Please review the following resources to help you prepare for your mortgage meeting: 

Guide: Facts About Mortgages | Checklist: Pre-Approval Meeting

Please review all terms and conditions for the "Limites Time Cash back bonus and/or Transfer-in Fee Incentive"

*Rates subject to change without notice.

**Appraisal and legal fees (up to a maximum of $500). Only one new mortgage cash bonus incentive offer is made available per member. CCCU to pay appraisal fees and will credit remaining balance up to $500 to the members CCCU chequing or savings account within 60 days of the mortgage being funded.

***The maximum of $800 is not applicable towards legal fees or mortgage penalties. Mortgage Registration Fees and other conditions may apply. Limited time offer.