Use your home equity to lower your interest rate to below Prime*.  Access immediate financing to spend any way you like.  Maybe it's a home renovation, cottage, RV, or whatever.

Ask us about our Capital Line at Prime less 1/4% for the first year and regular rates thereafter.

*Prime may fluctuate without notice.
**Restrictions apply.

Get the best of both worlds. The security of a fixed, five-year rate that is discounted with the flexibility to renew for a new five-year term at a lower posted rate should mortgage rates decline.

*Rate based on current posted 5-year mortgage rate less 0.75%. Rate may fluctuate without notice.

Bypass years of saving for a down payment and own your home today. Capital City Savings will provide the down payment by way of a 5% cash back payment.

A closed term mortgage is your choice for security.  Your interest rate is fixed for the term of your mortgage and you have the comfort of knowing exactly how much your payments are during this period.

An open mortgage gives you the ability to payout, prepay, rewrite or renew at any time, without penalty. You can pay your mortgage in full or prepay any amount you wish. You can also renew your open mortgage anytime during the term, subject to a processing fee.

The six month convertible mortgage gives you the most flexibility and freedom. It provides a competitive interest rate and gives you the option to lock in when the time is right for you.

Complete a mortgage application before you start looking, then you can shop with confidence and move quickly when you've found your dream home.  To find out how much you can afford, call (780) 496-2000.

The Home Buyers Plan allows first time home buyers to withdraw up to $20,000 as a loan from their RRSP to use as a down payment. The loan is not considered income and will not be taxed as long as it is repaid within 15 years (minimum annual payments required).

Our closed, convertible, LessThanPrime and HomeStart mortgages feature an annual prepayment privilege of up to 20% of the original mortgage as well as the annual option to increase the payment by up to 20% on the first day of any month, without penalty.

Weekly, bi-weekly, semi-monthly or monthly payment plans are available depending on the mortgage you choose. Terms of six months to five years with amortizations up to 25 years give you complete flexibility in lifestyle planning.

If it makes sense and can save you money, transfer the balance of your existing mortgage at the same rate, term and amount to the purchase of a new home in Alberta.

Transfer your present mortgage to Capital City Savings, hassle free.

Find out in minutes if you could be paying less for insurance. Plus, be sure to ask about valuable homeowners' discounts. For a no obligation quote, call (780) 425-8188 or toll-free at 1-800-810-2847.

Buying or selling? Get connected to local, regional and national realtors from the top real estate companies in Canada. Click here for more information .

Contact us today for more information on any of our mortgage products or to make an appointment with one of our Personal Bankers.