DNCU - Mortgages

Local experts, fast approvals

Benefit from in-depth housing market insight and accelerated mortgage approvals because we’re based locally.

Quick pre-approval

Get pre-approved for your mortgage and lock in a 90-day rate guarantee, so you can hunt for your home with confidence.

Direct line to a live person

Take the stress out of getting a mortgage. Your advisor is just a call or email away if you have questions.

Mortgages for every home

Buy the home you always dreamed about. Whether it’s in town or off the beaten track, we have a mortgage to match.

Flex Mortgage
Construction Mortgage

Our Improved Flex Mortgage!

The ideal mortgage for those who want to build a low-rate loan or line of credit into their mortgage for easy access to funds.

Access up to 75% of your home’s value
No need to re-apply or re-qualify for future borrowing, saving you mortgage registration and refinance fees over time
Split your total mortgage into sub loans for your various borrowing needs
Each sub loan can be set with different rates and payment terms allowing you to track certain borrowings separately from others
Repayment plans to suit your needs
Options for a fixed or variable interest rate
Up to 25 years to repay

Have Ag land?

Learn about our New Ag Flex Mortgage!

Construction Mortgage

The perfect product for those who want to build their own home. Funds are advanced in stages as the build progresses with full disbursement over a maximum of 12 months.

3 - 5 year fixed term
Down payment as low as 20% of the home’s value
Up to 25 years to repay
Pre-pay up to 20% of the original mortgage amount annually with no penalty
Option to increase principal and interest payments by up to 20% while the mortgage is in a fixed term

Variable Rate Mortgage

The ideal mortgage for those who want the freedom to make unlimited payments towards their mortgage at any time.

No pre-payment penalties
Down payment as low as 5% of the home’s value
Up to 25 years to repay

Fixed Rate Mortgages

The ideal mortgage for those who want to pay off their mortgage faster, while enjoying peace of mind that their interest rate won’t change during the mortgage term.

Pre-pay up to 20% of the original mortgage amount annually
Option to increase principal and interest payments by up to 20% while the mortgage is in a fixed term
Down payment as low as 5% of the home’s value
Up to 25 years to repay