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Your Journey to Homeownership Begins Here

At Pathwise Credit Union, we understand that buying a home is more than just a transaction; it's a milestone. That's why we're dedicated to guiding you through every step of your home-buying journey with personalized mortgage solutions that fit your unique needs.
Explore our competitive mortgage rates to find the right deal for your dream home. Stay updated and make informed decisions with Pathwise Credit Union.
Begin your homeownership journey confidently with tailored support from our financial advisors and competitive rates for first-time buyers. Your dream home awaits!
Maximize your mortgage benefits when it's time to renew or refinance. Discover options that could lower your payments or access home equity with us.

Faster approvals

​We’re headquartered in Oshawa and our experts have their own lending limits, making your mortgage approval much faster.

​​Stress-free assessment

We’re provincially regulated, so we can take into account all aspects of your mortgage application before making any decisions.


​​Your best interest at heart

We’ll never push a mortgage that’s not right for you. In fact, we’ll actively look for ways to improve your chances of getting the best deal.


5 Year Closed Fixed Insured Mortgage
5 Year Closed Fixed Mortgage
5 Year Closed Variable Mortgage
4 Year Closed Fixed Mortgage
3 Year Closed Fixed Mortgage
2 Year Closed Fixed Mortgage
1 Year Closed Fixed Mortgage
6 Month Open Fixed Mortgage
1 Year Open Fixed Mortgage
Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited.  Please contact us to get the latest posted rates.
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​Renewing or switching

Renew or transfer your mortgage to Pathwise with ease. Our experts will take care of all the details for you.

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Buying your first home

Get guidance throughout the process, from providing the right documents to selecting the best team to support you.

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Buying another home

Refresh your know-how and learn all about what to expect when buying a vacation property or your second home. 



You sold your house in this hot housing market but don't want to buy another one just yet.  Invest the money while you find your new dream home.

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Want to buy an investment property?

We qualify your investment mortgage application based on all factors, not just your personal situation. 

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Find the right type of mortgage for you

Get a flexible mortgage term with the ability to repay your mortgage, in part or in full, at any time without penalty.

Ideal if you plan to pay off your mortgage early or sell your home soon. Your interest rate will typically be higher with an open mortgage. 

Get a locked-in interest rate.

Ideal if you want peace of mind that your mortgage rate and payments won’t increase should interest rates rise.

Get a locked-in mortgage term with the ability to repay up to 20% of your original mortgage amount each year without penalty.

Ideal if you plan to put down roots in your current home and want the stability of consistent mortgage payments.   

Get an interest rate that changes with the market.

Ideal if you want to save money if interest rates drop. Your interest rate will typically be lower on a variable mortgage.


Get your full mortgage picture

Use our handy calculator to see how much mortgage you can afford and the type of mortgage that’s right for you.

Your Pathwise Mortgage Advisors

Jordan S. (Oshawa Branch)
Maureen W. (Bowmanville Branch)
Patti C. (Oshawa Branch)
Tyler O. (Bowmanville Branch)