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20 Church Street

Mon - Thurs. 8:30 AM - 3:00 PM
Fri. 8:30 AM - 4:00PM

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The Mortgage Loan provides up to 95% financing on residential properties.



About This Loan

The Mortgage Loan offers members the opportunity to receive a maximum of up to 95% financing on residential areas and up to 90% on commercial property. The maximum repayment time for the loan is 30 years but can vary with the member's age. The interest rate for repayment is 8.49%. Gateway is currently having a special Mortgage Sale, where the interest rate is at 7.4%

What You Need To Know

Up To

95% of Property Cost

in Available Funds

30 Years

To Repay

Up To

Up to 2 Weeks

Avg. Approval Time

As Low As


Interest Rate

Up To


Additional Information

Who is This Loan Primarily For?

Cornwall businesses wishing to purchase property to create offices

Cornwall businesses wishing to construct an office on land purchased

Cornwall residents wishing to purchase a home

Cornwall residents wishing to construct a home on land purchased

Cornwall tenants wishing to purchase a home for themselves

Cornwall real estate investors wishing to add more property to their portfolio

Cornwall startup real estate investors wishing to purchase their first property

Do I Need Collateral To Apply For This Loan?

No, the house will be used as collateral.

Minimum Amount Disbursed For This Loan?

No Minimum

What Are The Requirements To Apply For This Loan?

  • Copy of Registered Title

  • Signed Sales Agreement and Evidence of Deposit

  • Valuation Report not older than 2 years

  • Surveyor’s Report not older than 1 year

  • Verification of Income

  • Last 3 Months Pay Slips

  • Up-To-Date Property Tax Receipt

  • Proof of Age of Borrower & Co-Maker

  • Letter of Guarantor (where applicable)

  • NHT Referral Letter (where applicable

  • Discharge of Mortgage (where applicable)

  • Income and Expenditure statement and Cash Flow Projections (self employed)

Members who would need the loan for construction would need the following in order to qualify:

  • Approved Building Plan

  • Estimate for Work to be Done

  • Quantity Surveyor’s Report with Estimated Cost

  • Written Agreement with Contractor

  • Relevant Requirements Noted Above

Steps To Apply

Become a member of Gateway


Fill out and submit a loan application form in branch


Submit all required documents


Submit proof of ownership/proof of funds for collateral


Pay down payment fee


Wait for loan to be processed


Receive a call from a Gateway credit clerk


Sign relevant documents for disbursement


Our Team Stands Ready

If you're interested in any of our loans, we'll pair you with our expert customer service representatives, who will work with you to understand how to bring you to the solution they need.


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