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​Local knowledge and local decision making help you find the right mortgage that suits your life quickly and easily.


Best Things Local Mortgage Contest

For all new mortgages approved by Nov. 30 and completed by Dec. 31, 2022 you will receive an entry for the ‘Best Things Local’ package valued up to $1,000

Mortgage Referral Rewards up to $500

To offer a little incentive to spreading the word about our best local mortgage services, we have our mortgage referral program.

Financing Opportunities for the Woodlands at Wildstone

Exclusive custom homes, semi-detached villas and townhouses with preferred builders and stress-free financing from EKC

​​What do you need in your mortgage?

  • ​​Quick Mortgage Approval – the local advantage
  • A Mortgage Made For You – each application is looked at individually
  • Expert Advice – As your neighbour we will make sure we support your needs
  • Mortgage Freedom… Faster – prepay up to 20% of your mortgage annually
  • Money Given Back to You – EKC pays patronage rewards on most mortgages
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First Time Home Buyer Mortgage


Our local mortgage specialists will be with you every step of the way. We will answer your questions and inform you of what to expect as you jump into the largest purchase of your life so far.

Great For
  • Purchasing your first home
  • Using your RRSP for the down payment

CreditMaster® Mortgage

  • Choose variable rate, fixed rate, or combine both
  • Re-advanceable so that you can borrow against the equity in your home
  • Excellent prepayment options – prepay up to 20% annually
  • No extra legal costs if you want to use the equity in your house for future purchases with the benefit of preferred pricing.
Great For
  • Expert advice
  • Members who want a flexible mortgage
  • Members who don’t want to pay additional legal fees for future borrowings
  • Have acquired more than 80% of the home's value in equity
  • Use the equity for anything you may need; home renovations, a vacation, a timely investment. The options are endless

Construction Mortgage


If you plan to build your dream home, EKC will help make that dream a reality. We offer land loans that can be included (up to 75%) in your construction mortgage, interest-only payments throughout the construction phase and flexible draw schedules with quick turnaround time on draws to not slow down the progress.

Great For
  • Members who want local knowledge and vetted builders
  • Timely draws to match your construction schedule
  • Partnering with EKC and knowing EKC has your best interest in mind and will ensure you are prepared for cost overruns

Cash Back Mortgage


Sometimes the perfect house comes with a not-so-perfect roof. EKC's Cash Back Mortgage offers 5% of the mortgage amount in cash on a 5-year term. The trade-off? You pay a little more on your interest rate.

Great For
  • If you don't want to completely deplete your savings to pay for legal fees, appliances or necessary renovations
  • You don't plan to break the term in the first 5 years

Mobile and Manufactured Home Mortgage

  • financing available for mobile homes on leased land, and on owned land
  • CSA approved single, double, or triple wide
  • eligible for financing under CMHC guidelines
  • de-registered mobile homes on owned land may be considered under standard mortgage guidelines
Great For
  • If you plan to pay off your mobile home loan early and the home is on a rented pad, you will not pay the penalty as you would with a regular mortgage
  • These mortgages can be CMHC insured, which reduces your down payment requirement

Recreational Property Mortgage


You work hard and deserve a get-away to your own piece of paradise. EKC will walk you through your options to purchase a recreational property.

Great For
  • If you have the down payment saved for the new property
  • The property is located in EKC's service area

Land-Only Mortgage


Your dream home starts with the perfect plot of land. EKC lends up to 75% of the land price and requires that you begin construction within 1 year. This land loan can then be converted to your construction mortgage to save you the additional payment.

Great For
  • Members who plan to build a home on the land within a short time
  • Members who are purchasing land that is serviceable and accessible by road

Ready to get set up?

​EKC's CreditMaster® Mortgage helps you save money now and in the future. Whether you're looking to buy, refinance, renew or switch your mortgage to us, our local team will be happy to help you set up the solution you need.


Why choose EKC? 

  • Competitive interest rates
  • Quick, local pre-approvals with rates guaranteed for 90 days
  • Flexible payment options – weekly, bi-weekly, accelerated bi-weekly, accelerated weekly, semi-monthly and monthly
  • Closed and open terms: 6 months – 7 years
  • Fixed and variable rate options
  • Switch you mortgage for free (free legal fees and free appraisal up to $800)
  • Repay 20% of the original balance per year without penalty – either by lump sum three times per year or increase payment by way of mortgage renewal once during the mortgage term
  • Easy access to your home equity

​Mortgage calculator

​EKC's handy calculator helps you estimate how much you can afford to borrow, your payment schedule, and more. 

​Need help?

​Ask our friendly, knowledgeable staff. They'll be happy to help answer your mortgage questions.


Helpful resources

​Boosting Your Credit Score

​Improving your credit rating is easy with these tips. 

Demystifying Mortgages

​Find out the factors to consider when getting a mortgage. 

Owning Vs Renting

​Weigh the pros and cons of both to help you make your decision.

Check out our Learning Centre

​Get helpful tips, free resources and more!

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