You’ve found your dream home now own it sooner with a great mortgage. A Mainstreet mortgage offers a low mortgage rate and incredible perks like generous pre-payment options, plenty of payment frequency choices, and a *free chequing account.


  • Pay up to 20% of the original principal of your mortgage each year and at any time you want!
  • Double up any of your regular mortgage withdrawals
  • Switch from a variable rate mortgage to a fixed rate at any time
  • Free chequing account
  • Go paperless - view your statements online
  • Budgeting and spending analysis through our signature Personal Financial Management - Free and ready to use!

Featured Rates

5 year variable


5 year fixed


*Rate subject to change on approved credit (O.A.C). Limited time offer.

Own your home sooner

Pay up to 20% of the original principal of your mortgage each year and at any time you want – no waiting for the mortgage anniversary date!

Double up any of your regular mortgage withdrawals (for example- if your normal mortgage payment is $500 you can let us know you want to increase that payment by any amount up to another $500. See how prepayments can really make a difference in owning your home sooner by using our mortgage payment calculator tool).

Flexible payment frequency

You decide when you want to pay your mortgage each month- smaller payments weekly or the full amount once per month- it’s your call.

*Savings tip- choosing weekly or bi-weekly options can save you money over time! Talk to us to learn more!

Rates Change. Life Changes.

If you are in a variable rate mortgage you can decide to switch into a fixed rate product at Mainstreet at any time! If your needs change, you want to move, your family expands and you need more space- talk to us! There are lots of options from blending your existing mortgage into another Mainstreet product, taking advantage of a new mortgage offer, or bringing your existing mortgage with you to your next home- we’ll learn more about your needs and recommend the best approach customized for you.

Free Chequing Account

With a mortgage (or any combined business at Mainstreet of over $100,000) you can receive a Complete, E-ssential, or Light chequing account package monthly for free!

Fill out our quick and easy mortgage contact form and we’ll connect with you to chat further Mortgage Application Form - accordion to open form.

Fixed or Variable Rate?

Don’t worry we can help you in determining which is the right one for you.

Interest Rate

Fixed - Locked in for the full term of the mortgage

Variable - It fluctuates based on the market


Fixed - Set in advance for the term - your payments remain the same

Variable - It fluctuates based on the market

Open or closed mortgage

Can be either - Open mortgages can be paid off at any time. Closed mortgages can usually be paid off prior to maturity but fees apply.

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 Contact Request

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Mainstreet Exmouth branch