Your mortgage may be your single most important investment. That’s why it’s worth considering an OPPA Credit Union mortgage. Whether you’re buying a new home, renewing, renovating or transferring your mortgage, we offer low rates, a wide range of terms and a variety of mortgage options.

As an OPPA Credit Union member, you’ll also benefit from:

Help from your Member Service Advisor – Your advisor knows the ins and outs of buying and selling a home, and can help you each step of the way. You’ll get objective advice that’s in your best interest – not that of your financial institution.

Competitive rates – We operate your credit union by a standard that ensures that we’re offering highly competitive rates, and that you never have to feel like a master negotiator. 

Portability – If you get transferred, you can keep your mortgage with the OPPA Credit Union, and we’ll work with the OPP’s relocation program to get you the greatest savings.

120-day interest rate guarantee – If you’re pre-approved before buying your home, we’ll guarantee your rate or give you the current rate (if it’s lower) when you close the sale.

Pre-payment privileges– You can double up your payment on any or all regular payment days. Or pay up to 20% of the original amount of your mortgage once every calendar year to reduce interest costs and pay off your mortgage sooner.

MovePlus – This innovative real estate service provides members with cash rebates on home purchases and sales. It's simple. You only need to use a real estate agent participating in the Envoy Relocation Services Inc. network, anywhere in Canada. See the MovePlus website for details.