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Not at all. Many people are surprised by how simple it can be. Our mortgage team walks you through each step and takes care of most of the work, so the switch feels easy and stress‑free. Book a call to learn more.
Bring your mortgage to HMECU and we’ll take care of the switch.
Secure a 5-year mortgage with rates starting at 3.79%*.
*Rates subject to change. Terms and conditions apply.
Why switch your mortgage to HMECU?
We’ll cover the switching costs*
We make it easier to move your mortgage by removing common barriers.
Competitive rates
Secure a 5-year mortgage with rates starting at 3.79%*.
Local, personalized support
We take the time to understand your needs and tailor mortgage solutions that work for you.
HOW IT WORKS
Tell us about your current mortgage
Start with a quick quiz or book a conversation.
We review your options
Our team will walk you through the best solution for your situation.
We handle the switch
We take care of the process so you can focus on your home.
Ready to make the switch?
Secure a 5-year mortgage with rates starting at 3.79%*.
*Rates subject to change. Terms and conditions apply.
Still with the same mortgage?
Many homeowners stay with their current lender simply because they assume switching is complicated.
The reality is, switching can be easier than you think, especially with the right support.
Frequently Asked Questions
Is switching my mortgage to HMECU complicated?
Will it cost me anything to switch my mortgage?
As part of our Switch Campaign, HMECU may cover common switching costs like appraisal and transfer fees, up to specified limits. We’ll review all details with you upfront so there are no surprises. View our Terms and Conditions.
Do I have to wait until my mortgage renews to switch?
No, depending on your current mortgage terms, switching before renewal may be an option. We’ll help you review your situation and decide what makes the most sense for you.
Why do members choose HMECU for their mortgage?
Members value our personalized service, competitive rates, and local expertise. We take the time to understand your needs and focus on building long‑term relationships, not just completing a transaction.
Get in touch
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