Applying for a mortgage anywhere in Ontario is incredibly difficult and incredibly time-consuming. Banks treat everyone and everything as a simple digital file. BCU Financial (Buduchnist Credit Union) has been assisting the Ukrainian community for 75 years. 

Securing a credit union mortgage isn’t only about a reasonable credit score. We look ahead. Regardless of how long you’ve been in Canada, we prioritize personal customer service and help you navigate various financial choices.

Why is Cooperative Banking Your Advantage

The misconception of credit unions as small institutions is completely inaccurate. We provide a lower-interest credit union mortgage rate than the average bank. Instead of investors, credit unions have only their members. Credit unions have some of the best stability in Canada. We prioritize our members. Mortgages from community-centered lenders have a number of advantages:

• High stability, clarity, and control over the costs of your credit union mortgage.
• Our rates are attractive because we are member-owned, which results in better competitive offers.
• No hidden fees: We believe in being honest about our pricing.
• Flexible consideration when self-employed: We have more understanding about self-employed and non-traditional income situations than others.

The Best Rates with No Stress

The current market is trendless and stable, and if you are looking to find the best credit union for mortgage rates, you likely already know this. While the big banks are hiking the fees, BCU Financial is focused on providing affordability in homeownership to its members, making a genuine, bespoke offering with both fixed and variable rates that truly reflect your requirements and are not simply a dominant, price-leader offering.

The Financial Partner That Actually Cares

We are a genuine community-focused organization and the credit union with best mortgage rates for those who value social responsibility. Your mortgage provides us the funding to give back to the community. In 2014, we distributed over $17M to educational institutions, religious entities, and humanitarian support to Ukraine. Banking with us is both a great investment for your finances and a great support for your community.

At the very least, most banks will offer you a mortgage that is unremarkable compared to the service you deserve. For a customizable lending experience that fits your values, reach out to your local lender. We offer assisted mortgage processing that will prepare you for a stress-free transition into your new home. Rainey & Associates will help move you to your next big step, whether in downtown Toronto, suburban Ottawa, or in between Hamilton.