Conventional Mortgage
Mortgages
Renew, switch, or get a new mortgage with rates starting as low as 4.09%*.
Lock in your low rate today and we'll cover the cost to transfer your maturing mortgage. Plus, receive up to $500 cash back. Conditions apply. Offer ends Sep 30, 2025.
We do our homework to get you a great rate. Right up front.
We understand our members' needs—like pay grids, pensions, summer cash flow issues, and collective bargaining— better than any other financial institution. Educators will provide you with the best options and greatest flexibility to meet your needs - whether you want to pay your mortgage faster, renovate or build a home.
Today's Rates
4.09%*
fixed
4.04%*
variable
*These are our best rates on 5-year term mortgages. Rates are subject to change, some conditions apply. Speak to a Mortgage Agent for full details.
Not sure what type of mortgage is right for you? Narrow down your options below.
Rates
Today's Rates
4.09%*
fixed
4.04%*
variable
*These are our best rates on 5-year term mortgages. Rates are subject to change, some conditions apply. Speak to a Mortgage Agent for full details.
Flexibility and options that reflect your needs
Multiple Mortgage Options
We work with numerous lenders to give education members the most flexibility with the best rates.
Amortization up to 30 Years
Reduce your monthly mortgage payments with a 30-year amortization period. Enjoy the financial flexibility that comes with lower monthly mortgage payments.
Ontario Teachers Insurance Plan
Car or home insurance renewing soon? OTIP has your back! OTIP’s brokers will find the right coverage for your unique needs at the best value.
Plus, get a $20 gift card of your choice when you get a car or home insurance quote from OTIP!*
*Restrictions apply. See details.
Learn moreMortgage Protection
The right mortgage + the right protection = peace of mind
Congratulations. You’ve found the place you want to call home. Now that you’ve found it, you have a lot of things to consider. Getting a low rate on a mortgage that’s right for you is one … and Educators Financial Group has Mortgage Agents who have the expertise to help. Protecting your home is another. What would happen to your home, and your loved ones, in the case of an emergency? Here’s what you should know.
When it comes to insuring your home, you have a choice
Protect your investment with Mortgage Insurance. Mortgage Insurance is designed to protect you, the homeowner, and the lender in the event of your death. Its use is limited to paying off the balance of the mortgage. It is relatively simple to apply for, and coverage is quick. In most cases, once the mortgage has been approved, your insurance protection starts. Or, you may choose to add it at a later date.
Get professional advice
The type and amount of insurance you own should be part of your overall financial plan, and reflect your unique situation and goals. It’s best to talk to a Mortgage Agent about the type of protection you need.
Ontario Teachers Insurance Plan
Car or home insurance renewing soon? OTIP has your back! OTIP’s brokers will find the right coverage for your unique needs at the best value.
Plus, get a $20 gift card of your choice when you get a car or home insurance quote from OTIP!*
*Restrictions apply. See details.
Learn moreReady to talk mortgages with us?
Get in Touch With a Mortgage Agent
Brokerage Licence 12185
Educators Financial Group partners with a number of lenders (we act as a brokerage), so rates and products are subject to change at any time without notice. Not all programs/features/benefits are available with each lender. Speak to an Educators Mortgage Agent for full details.