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Buying a home is the biggest financial decision you will ever make. With expert financial advice and the right type of mortgage, Healthcare and Municipal Employees’ Credit Union will turn your homeownership dream into a reality. ​​


Get Pre-Approved

Find out how much you can afford to spend when buying a house, as well as receive a 100-day Best Rate Guarantee. 

Your Choice of Payment Schedule

Weekly, bi-weekly, semi-monthly, monthly, or accelerated payments – whatever works best for you! 

Knowledgeable, Friendly Staff

We will discuss all costs associated with purchasing a home. Some costs you may not have thought about including closing costs and lawyer’s fees.

Get a mortgage today!


Renewing or switching

Refinance or transfer your mortgage to HMECU with ease. Our experts will take care of all the details for you. 


Buying your first home

Get guidance from start to finish on your first home purchase. We will help you every step of the way.

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​Buying another home

Learn all about what to expect when buying a vacation home or a rental property. 

Find the right type of Mortgage for you


Get a flexible mortgage term with the ability to repay your mortgage, in part or in full, at any time without penalty. Your interest rate will typically be higher with an open mortgage. 

A closed mortgage is one that cannot be fully paid off, refinanced or re-negotiated before the end of the term without incurring a penalty.  

For peace of mind - your rate will not change while the markets fluctuate up and down. 

Get an interest rate that changes with the market. A wise choice when interest rates are below the standard mortgage rates. 


Mortgage Calculator

Choose a mortgage rate and we will help you figure out a payment option that works for you

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