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Personal Mortgages

You love your home. We love finding you the right mortgage plan.


There's a lot to consider when buying a home. At Mountain Financial, we help you find the best mortgage option to suit your budget. Looking to refinance to access or save some cash? Let’s get you on the right mortgage plan, with fast approvals and competitive rates. The best mortgage plans will always fit your needs today and your financial goals for tomorrow, without leaving you house poor.


Is your down payment less than 20% of the purchase price of the home? If so, you’ll require a high-ratio mortgage. These mortgages have to be approved by Canada Mortgage and Housing Corporation (CMHC) or Genworth Corporation (formerly GE) and mortgage insurance is required. Not to worry, we can help you through this entire process.


Looking for a shorter term mortgage, need access to extra cash or take advantage of lower rates? There may be penalties when paying off a mortgage early. At Mountain View Financial, we make it easy to get more equity, financing for capital, or reduce your monthly payments while minimizing the fee impact to your budget.


Whether to take a fixed rate or variable rate mortgage may depend on the stability of your income and your comfort level if interest rates start to rise. Explore our mortgage options, use the mortgage calculator to help figure out what you can afford and then tap into our experienced and helpful team to find the plan that suits your personal situation best!


Benefits of a Mountain Financial mortgage:

  • 20/20 Pay-Down Option

    • Pay up to 20% of your original mortgage principal each year
    • Increase your scheduled payments by 20%
    • Or both! All without any penalty.
  • Mortgage Pre-Approvals:  Can be arranged at no cost.
  • Portable and Assumable: Life changes happen. Our mortgages are portable to new property and assumable to new purchasers.

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?Did You Know

Just a half percentage point less on your rate could save you a few thousand dollars per year! Check out Mountain View Financial’s rates, then give us a call. You won’t need to haggle. We’ll always offer you the very best rate you qualify for.


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Tips On How To Get Mortgage Free Faster

Let’s say you're starting details were:

  • Principal Amount: $250,000
  • Mortgage Term: 5 Years
  • Interest Rate: 2.89%


Option 1: Spread payments over 25 years

  • Monthly Payment Amount: $1,169
  • Interest Over 5 Year Term: $33,376
  • Balance Owing After 5 Year Term: : $213,233

Option 2:  Mortgage free in 22 years 4 months by making accelerated bi-weekly payments

  • Accelerated Bi-weekly Payment Amount: $585
  • Interest Over 5 Year Term: $32,891
  • Balance Owing After 5 Year Term: : $206,903

Option 3:  Mortgage free in 20 years by increasing monthly payments by 20% after year 2

  • Monthly Payment Amount Year 1-2: $1,169
  • Monthly Payment Amount Year 3-5: $1,403
  • Interest Over 5 Year Term: $33,014
  • Balance Owing After 5 Year Term: : $204,453

Option 4:  Mortgage free in 18 years 9 months by making monthly payments and a lump sum payment of 20% 2 years into a 5 year term

  • Monthly Payment Amount: $1,169
  • Lump Sum Payment At Year 3: $50,000
  • Interest Over 5 Year Term: $28,881
  • Balance Owing After 5 Year Term: : $158,738

Option 5:  Mortgage free in 17 years 6 months by making accelerated bi-weekly payments and additional lump sum payments of $3,000 on each anniversary

  • Accelerated Bi-weekly Payment Amount: $585
  • Lump Sum Anniversary Payments: $3,000
  • Interest Over 5 Year Term: $31,992
  • Balance Owing After 5 Year Term: : $191,004


Coming in for a mortgage appointment?

Make the most of our time together by ensuring that you have everything you need. You’ll want to bring:

  • Letter(s) of Employment and recent Paystub
  • NOA/T4/Personal Tax Return (2 years)
  • Confirmation of Down Payment: Copy of Bank Statement, Gift Letter, RRSP by way of Home Buyers' Plan
  • MLS Listing
  • Offer to Purchase (complete with all Addendums and/or Attachments) or Waivers if applicable
  • Government issued Photo ID
  • Social Insurance Number(s)
  • Occupation and Employer
  • Lawyer’s Name, Address, Phone, Fax and Email
  • Void Cheque or Account Verification Letter from Other Financial Institution
  • Any current Investment Statements and/or existing Insurance Details
  • $1.00 to become a member!

The Legal Stuff:

*Terms and conditions apply. Rates are subject to change without notice. Specials offers may be changed, withdrawn or extended at any time, without notice. Rates are applicable to residential mortgages only and subject to Mountain View Financial lending criteria, fees and charges for residential properties. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you. Legal Terms of Use apply.