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Mortgages
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 Flex/Fix Mortgages
A mortgage and line of credit in one.
Imagine having it all: the security of a fixed mortgage rate, the flexibility of a low variable mortage rate and an easy-to-access line of credit worth up to 75% of the appraised value of your home. That's what Unigasco's Flex/Fix Mortgage offers... and at great rates!
Apply once and you get:
- a versatile mortgage with part fixed and part variable rates that save you the most money on interest,
- easy access to a line of credit equal to the amount you've paid down on your balance
- FREE gift card for $100 in home decor
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Use the available line of credit for whatever you wish:
- Finance your home
- Renovate
- Purchase a vehicle
- Take a dream vacation
- Invest in education
- Take advantage of investment opportunities
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The Flex/Fix Mortgage saves you money.
- Your Flex/Fix Mortgage can be switched between variable and fixed without legal costs.
- You purchase only one Title Insurance Policy - compared to two with a regular mortgage and line of credit
- You can pay down your mortgage quickly with weekly, biweekly or semi-monthly payments.
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- With the variable rate, you can pre-pay at any time.
- With the fixed rate, you can pay up to 20% of the original mortgage each calendar year.
- Take advantage of the flexible Double-Up Option that lets you pay up to twice your regular principal and interest payment.
- Once a year, you can increase your regular principal and interest payment up to 20% of the original payment.
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Unigasco UnConventional
Mortgages
Who likes Unigasco's UnConventional Mortgage? People who hate paying interest!
Let us help you build your future. When it comes to arranging the best possible mortgage package, we’ll be there for you.
A Unigasco mortgage is basically designed by you – with flexible terms, rates and repayment schedules to meet your specific situation and needs.
Unigasco Community Credit Union has the people you can trust for fast approvals and mortgage products designed for homeowners. Here are just a few of the innovative options available to personalize your mortgage financing.
- Financing is available for up to 75% of the purchase price or the appraised value of your home.
- Unigasco Community Credit Union has a flexible Double-Up Option that lets you pay up to twice your regular principal and interest payment.
- Up to 20% of the original amount of your mortgage may be prepaid once each calendar year.
- Principal and interest payment may be increased each calendar year up to a maximum of 20% of the regular monthly principal and interest payment.
CMHC Mortgages
CMHC puts the keys in your hand sooner!
For most of us, the hardest thing about buying a home – especially a first home – is saving the necessary down payment. If you have less than 25% to put down on the property, you may need Mortgage Loan Insurance. Buyers with CMHC Mortgage Loan Insurance can buy a property with as little as 5% down.
Unigasco, an approved CMHC lender, will take care of all the paperwork – and you will know if you’re approved within a day or two.
CMHC is committed to opening the door to home ownership to as many Canadians as possible. Together, Unigasco Community Credit Union and CMHC can help you make your dream a reality.
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