Fine Print

Mortgage Special Official Terms and Conditions (2- and 3-year Fixed)

The mortgage rate offer is only available on 2- and 3-year fixed mortgages with an amortization of 25 years or less.  All mortgage applications are subject to additional restrictions and conditions, credit approval and must be funded within 120 days of the application date. This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.

• The mortgage rate offer is only available for a 2- and 3-year fixed terms with an amortization of 25 years or less.
• The mortgage loan must be funded within 120 days of the application date.
• The mortgage rate offer is not available in combination with any other mortgage offers. Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Mortgage Special Official Terms and Conditions (5-year Fixed)

The mortgage rate offer for a high ratio 5 year fixed mortgage is 4.39%. The mortgage rate offer for a conventional 5 year fixed mortgage is 4.49%. The mortgage rate offer is only available for mortgages  with an amortization of 25 years or less.  All mortgage applications are subject to additional restrictions and conditions, credit approval and must be funded within 120 days of the application date. This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.

• The mortgage rate offer for a high ratio 5 year fixed mortgage is 4.39%.
• The mortgage rate offer for a conventional 5 year fixed mortgage is 4.49%.
• The mortgage rate offer is only available for a 5-year fixed term with an amortization of 25 years or less.
• The mortgage loan must be funded within 120 days of the application date.
• The mortgage rate offer is not available to mortgage brokers.
• The mortgage rate offer is not available in combination with any other mortgage offers. Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Closing Costs

• The offer will cover closing costs up to a maximum amount of $1,000.
• The fees covered include a FCT appraisal and WFCU closing costs only. The offer will not cover costs, fees and/or penalties incurred at another financial institution.
• The offer is only available on mortgages transferred from another financial institution or a re-finance of a mortgage from another financial institution. The offer is not available on new home purchases or re-financing of a mortgage currently held by WFCU.
• The offer is only available on personal residential properties.
• The mortgage loan must have a principal amount of $100,000 or greater.
• The offer is only available on a 3-year fixed mortgage term or greater.
• The offer is available on mortgage applications received and approved between September 25, 2024 and November 1, 2024.
• The mortgage loan must be funded within 120 days of the application date.
• This offer is not available to mortgage brokers.
• The offer is not available in combination with any other mortgage offers.  Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.