Valley Credit Union
Community credit union serving the Annapolis Valley area of western Nova Scotia with fixed rate mortgage terms from one to five years. Participates in the provincially backed First-Time Homebuyers Pilot Program that lets qualified first-time buyers put as little as 2% down. It lends Nova Scotia.
Prepayment-penalty method
Standard penalty (about three months' interest)
Breaking early is penalized at roughly three months' interest, an open-style penalty that is generally on the lower, more predictable end.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Refinances and equity take-outs
General signals only. Approval depends on the full application; a lender that fits on paper still has to say yes.
What you can do with it
- Buying a home
- Refinancing
- Renewal or switch
Rate types
- Fixed rates
Where it lends
Nova Scotia
Good to know
- Membership required to borrow
- Serves the Annapolis Valley region of western Nova Scotia, including Annapolis, Kings, and West Hants counties
- First-Time Homebuyers Pilot Program is offered only by Nova Scotia credit unions and backed by a provincial deficiency guarantee
How to reach Valley Credit Union
You deal with this lender directly, no broker required. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit Valley Credit UnionEducational summary; rates, terms, and approval are set by the lender.
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Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates, terms, and eligibility directly with the lender before acting.