Value Mortgage

What is it?

Our Value Mortgage is a simple option for people who are looking for the lowest rate available. While it offers savings, the Value Mortgage doesn’t come with any of the extra bells and whistles offered by some of our other mortgage options, such as skip-a-payment, etc. Predictability is where the Value Mortgage shines. Offering a fixed rate for one to five years, this option ensures you’ll know exactly what your payments will be each month.

Who is this for?

Our Value Mortgage is ideal for those who appreciate simplicity and predictability. If you’re not into extra frills and don’t love surprises, this mortgage may be right for you!

Speak to our advisors and lock your guaranteed rate in today for 120 days - no commitments required!

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Why choose a Value Mortgage?

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Consistent payments

Since this mortgage only offers fixed rate options, your mortgage payments will remain the same (even if rates change).

Pay off your mortgage sooner

While these mortgages don’t have any fancy extras, you can pay up to 10% of the principal and increase your payments by 10% each year.

Choose your plan

You can pick a payment plan that works for you. From monthly, semi-monthly, or bi-weekly options.



05 Year Closed


04 Year Closed


03 Year Closed


02 Year Closed


01 Year Closed


What you need to know

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Locked rate: Once you’ve selected this mortgage, you can’t change it.

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Minimal features: This mortgage is not eligible for rental properties or mobile homes, refinances, cash back programs, home renovation mortgage, construction mortgages, or skip payments.

Is this right for you?

Right for you if you: 

  • Like to keep things simple and easy

  • Want the lowest rate available

  • Want your payments to be consistent

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May not be right for you if you:

  • Want options, such as skipping a payment, with your mortgage. If so, consider our Flex Feature Mortgage instead

  • Want to pay off your mortgage before the term ends

Meet our Mobile Mortgage Specialists

We know that life can get hectic. Finding time to meet about mortgage options during regular banking hours isn’t ideal for everyone. That’s why our Mobile Mortgage Specialists can come to you. Simply choose the time and place that’s most convenient, and we’ll be there! Our experienced specialists are found across Saskatchewan, and will give personalized mortgage advice, ensuring you know all your options and can make the decision that’s best for you.

What's your next move? 

Buy my first home

Incentives, tax credits, and more

Buy my next home

Tips for your next move or investment

Have questions? That’s what we’re here for!

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Give us a call

Have questions about which mortgage option is most suitable for you?

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Connect with us

Want to learn more about mortgages? Book an appointment with one of our advisors.


1Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate displayed. Rates subject to change without notice. Applicable to Credit Union lending criteria. Some conditions apply.