We help to make owning your first home possible.

We know as a first-time home buyer that you may have questions and want an expert to be there to guide you through the mortgage and home buying process. Our Mainstreet advisors will be there by your side helping you step-by-step in finding the right home and mortgage for you.

In this competitive market you need a mortgage and financial provider that will give you good advice, a great mortgage-rate, and flexible payment options.

Things to consider when purchasing your first home.

What are you looking for?

Decide what you are looking for in your new home. Create a list of needs and wants to help you see what is important to you.

Get "Pre-approved/Pre-qualified"

Pre-approval will help you to understand what price range to search within when shopping for your first home and allows you to be prepared so you can act quickly when you find the right home and want to make an offer. We will help you with this step and help outline what the mortgage costs and payments will be with different house prices and mortgage options.

Get House Hunting

Discover what your area has to offer for real estate and find the perfect home to suit your needs.

Finalize your Mortgage

Once you find your home sweet home and the sellers have accepted your offer, its time to finalize your mortgage. If your offer is accepted (and we have already done the pre- approval process), you or your realtor just need to send your Mainstreet advisor the accepted offer paperwork and we will finish the mortgage process from here.

Protect your home

Insure your most expensive asset! Ensure your home is insured for fire, theft, and more. Talk to a Mainstreet advisor for a referral or speak to an insurance representative in your area.

Get more with a Mainstreet mortgage

Mainstreet mortgages can be customized to you and your unique needs.

  • a great rate

    Apply and lock-in a great rate for 90 days! If the rate lowers during that time you automatically get the better rate!
  • a dedicated advisor

    Have a Mainstreet advisor available to walk you through all the steps, provide advice, and easy to reach for any of your questions along the way.
  • mortgage types & flexibility

    Mainstreet mortgages have built in flexibility. Switch your variable rate to fixed rate mortgage at any time. Planning to move or make other life changes? Speak to your advisor about porting your mortgage and other available options to fit your needs.
  • flexible payments

    Payment flexibility. Maybe you'll go with smaller payments weekly, or the full amount once per month (or something in-between). There are also options for the overall length of time you'll take to pay your mortgage off (amortization period).
  • a free chequing account

    Choose from a selection of free chequing accounts, with a mortgage, or any combined business at Mainstreet, of over $100,000.
  • pre-payment options

    Get mortgage-free sooner, and save money, with Mainstreet's generous pre-payment options. Pay up to 20% of the original principal of your mortgage each year and increase your regular payment amount.

Featured Rates

5-year fixed
5-year variable
Derek & Andrea

The mortgage experience can be tough as a young couple, Mainstreet was good at making things effortless for us, plus we found a financial advisor who really worked with us on our future plans and helped us move from our starter condo to our dream home.

— Derek & Andrea More Stories

Mortgage Calculators

Calculate home and mortgage affordability, mortgage payments, mortgage length and compare mortgage pricing and payment options.


Check out these helpful resources:

Mortgage Insurance

For most families the biggest debt and the biggest monthly expense are one and the same thing: the mortgage. Mortgage life insurance, available on all Mainstreet mortgages, helps ensure the security of your family home in the event of loss of life.

Talk to a Mainstreet advisor about adding mortgage insurance to your home.

Experience cooperative banking that is
Invested in you.