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


About This Loan

About This Loan

The Mortgage Loan offers members the opportunity to receive a maximum of up to 95% financing (with no NHT) or 90% financing (with NHT) on residential areas. The maximum repayment time for the loan is 30 years but can vary with the member's age. The interest rate for repayment is as low as 8.99%.

For Real Estate Equity Loans & Current Owners, the interest rates for borrowing begin at 10.5% per annum.

What You Need To Know

Up To


in Available Funds

30 Years

To Repay

Up To

3 - 5 Working Days

Avg. Approval Time

As Low As


Interest Rate

Up To

Important Information
Additional Details

Additional Information

Who is This Loan Primarily For?

Cornwall County residents wishing to purchase a home

Cornwall County residents wishing to construct a home on land purchased

Cornwall County tenants wishing to purchase a home for themselves

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

Cornwall County 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
Steps To Apply




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Our Team Stands Ready

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

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Deciding whether Gateway is the right partner for your loan? We know that this is a long-term decision, and we want to ensure that you are fully informed going into this commitment with us.


Learn more about this opportunity by chatting with our agent, or by visiting our Frequently Asked Questions.

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