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Mortgages
Members interested in Mortgages are also interested in:

  • Loans, and Lines of Credit

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    HEALTHCARE AND MUNICIPAL EMPLOYEES' CREDIT UNION LIMITED makes financing a home easy. We'll help you get the mortgage you need, at rates you'll really appreciate.

    HEALTHCARE AND MUNICIPAL EMPLOYEES' CREDIT UNION LIMITED offers:
    • Pre-approved Mortgages
    • Same day approvals
    • Several interest saving pre-payment options: Such as
      • Yearly payment increase up to 25%
      • Yearly lump sum payment up to 10%
      • Double-up payments anytime
    • Terms from 6 months (open or closed) to 5 year (closed)
    • Variable rate option
    • Up to 100% financing
    • Weekly, bi-weekly or monthly payments
    • Free convenient payroll deductions
    • Discount rates
    • Portability
    • No surveys required
    • Transfer your mortgage to the Credit Union for free!
    • 90 day rate guarantee
    • Apply by phone or E-Mail
    We service what we sell - your payments and questions will always come directly to your Credit Union for guaranteed personal service.


    Mortgage Financing for Residential Rental Properties

    Financing available for residential rental properties up to 80% (conventional) or 90% (high ratio insured) up to a max $750,000
    Amortizations available up to 35 years
    Maximum 4 rental units

    Other conditions to apply

    Click here to e-mail your questions or to arrange an appointment with our Rental Property Mortgage Financing expert Margaret Bayr: mbayr@hmecu.com


    The advantage of a pre-arranged mortgage...

    Before you start looking for a home, HEALTHCARE AND MUNICIPAL EMPLOYEES' CREDIT UNION LIMITED can arrange your mortgage financing. You're under no obligation and it's absolutely free. What it can do is save you a considerable amount of money when interest rates fluctuate. Based on your current financial situation and a satisfactory credit review, a pre-Arranged Mortgage tells you the amount you can borrow, at what interest rate (for the term you've chosen) and how much your payments will be. Combine this information with your down payment and you can shop with confidence for a home in your price range. Of course, the final terms and mortgage amount will be based on the value of the home you purchase, subject to a satisfactory property appraisal.

    Quick Rates
    HMECU Prime 3.75
    Loans From 5.75%
    Lines of Credit From 3.75%
    Mortgages From 2.50%
    Savings Accounts up to 0.65%
    GIC's up to 3.10%
    US Exchange Rates click here




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