Online Banking

Skip-a-Payment Option

20/20 Pre-Payments

Portable to a New Home

Lock-in this exclusive CSU 52 offer in four easy steps!

Apply for a SPARK mortgage

Apply Now

You'll be redirected to our online loan application tool.

Step 2

Tell Us About Yourself

To get your application started, we'll ask some questions about you and your finances.

Choose "Mortgage" for Credit Type

You'll see your special rate offer in our list of drop-down options.

Submit Your Application

Submit Your Application

You'll hear back from a SPARK Financial Advisor in 2-4 business days.

New Home Purchase

SPARK will make your home-buying experience easy and affordable. We'll hold this rate for 90 days* so you can shop for your dream home confidently. What are you waiting for? This offer won't last long.
Purchase a new home

Mortgage Transfers

If you have a mortgage from another financial institution and it's coming due in the next few months, we can help you save big on interest costs. Transfer your mortgage to SPARK and get peace of mind knowing you've got the best rate and the same great benefits associated with all SPARK mortgages.
Transfer a Mortgage to SPARK

Why Bank with SPARK?

When you bank with us, you're more than just a customer; you're a member-owner. You get a share in our profits, a say in how we're run, and exceptional service from people who care about your needs. You'll get access to our full suite of financial solutions to meet every need, no matter where you are in life.

Feel good knowing you're supporting a local institution that's invested in tyour community's well-being.
Why Bank With SPARK

Check out our other offers to CSU 52 members!

Whether you're looking for affordable access to credit, or a daily banking option that saves you money on fees - SPARK has the financial solutions to meet your needs. Take a look at some of our most popular products, and learn more about our exclusive pricing available only to members of CSU 52.

Home Equity Line of Credit at 2.45%

Unlock your home equity and borrow at a low rate with the SPARK Powerline Home Equity Line of Credit.

Learn more

Lines of Credit as low as 5.45%

Get a SPARK Powerline Consumer Line of Credit at a rate lower than most banks'.

Learn more

No-Fee Chequing

Open a SPARK No-Fee Chequing Account and keep more of your money in your pocket with no monthly fees and unlimited e-transfers.

Learn more

*Terms and Conditions Expand/Collapse

*SPARK's CSU 52 Exclusive Offer for 5 Year Fixed Term Mortgages ("the Offer") is available for applications submitted by March 1, 2021.  The Offer is only valid for owner-occupied primary residences of CSU 52 employees  (conventional and high-ratio), with the following inclusions:

- New home purchases
- Mortgage transfers-in from another financial institution
- Only the new funds portion of any refinanced mortgages with SPARK, whereby the original principal amount will continue to be subject to the original rate.

The Offer will be restricted to a 90-day rate hold, which takes effect when an application is submitted through our online loan application system. The mortgage application must be dated during the offer period and funded within 90 days of the application start date*. If not funded within 90 days of the initial submission of application, the rate will expire and you will instead receive our 5 Yr Fixed Term Mortgage Rate. View current posted rates here.

The Offer applies to single family dwelling and condominium/strata units only (excluding leaseholds and cooperatives). Application may be sole or joint applications (spousal or non-spousal) with a maximum of 2 applicants. Approval of the mortgage is subject to SPARK’s standard lending guidelines.

The Offer does not apply to open mortgages, lines of credit, personal loans secured by a mortgage charge, or commercial mortgages.

The mortgage offer cannot be combined with any other SPARK mortgage rate offers such as the affinity rate discount program, relationship pricing, or any mortgage acquisition fee reimbursements.

The Offer may be amended, extended, or cancelled at the sole discretion of SPARK at any time without prior notice.

SPARK reserves the right to refuse or terminate any members’ participation in this offer if SPARK suspects or discovers that the member has provided incomplete or incorrect information to SPARK in the mortgage application.

The Offer is not valid for:
-Refinancing with no new funds
-Rental/revenue properties
-Recreational properties
-Residential construction financing
-Bridge/interim financing
-Second mortgages and HELOCs
-Assumable mortgages
-Mortgages involving leased property
-And other mortgages that SPARK deems ineligible for the offer.

†Visit offer landing page to learn about the terms and conditions of our CSU 52 Exclusive Offer for SPARK Home Equity and Unsecured Powerlines of Credit.

Last updated: 11 September 2020