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Best Rate Special!
3.90%
on our five-year insured mortgage.
Buying your first home?
What an exciting time!
Buying your first home is a big step—but you don’t have to do it alone. Our First-Time Home Buyer Guide walks you through the process from start to finish, with helpful tips, easy-to-understand explanations, and tools to make confident decisions every step of the way.
Start with Confidence: Get Pre-Approved
Getting pre-approved is more than just a number—it’s a smart first step in your home-buying journey. With a pre-approval in hand, you’ll know exactly what you can afford, show sellers you're serious, and be ready to move quickly when you find the right home.
Ready to renew your mortgage?
Get in touch with one of our experts for a quick and easy mortgage renewal.
Refinancing
Need a little extra for a vacation home? Home reno's? Now is the time to refinance!
Want to move your mortgage to us?
Make the switch with ease! Our certified specialists will handle the whole process for you.
Best Rate Special!
3.90%
on our five-year insured mortgage.
Buying your first home?
What an exciting time!
Buying your first home is a big step—but you don’t have to do it alone. Our First-Time Home Buyer Guide walks you through the process from start to finish, with helpful tips, easy-to-understand explanations, and tools to make confident decisions every step of the way.
Start with Confidence: Get Pre-Approved
Getting pre-approved is more than just a number—it’s a smart first step in your home-buying journey. With a pre-approval in hand, you’ll know exactly what you can afford, show sellers you're serious, and be ready to move quickly when you find the right home.
Ready to renew your mortgage?
Get in touch with one of our experts for a quick and easy mortgage renewal.
Refinancing
Need a little extra for a vacation home? Home reno's? Now is the time to refinance!
Want to move your mortgage to us?
Make the switch with ease! Our certified specialists will handle the whole process for you.
Find the Best Mortgage Fit for You
Choosing between a fixed-rate mortgage and a variable-rate mortgage depends on your financial goals, risk tolerance, and comfort with changing interest rates. Here’s a simple breakdown to help you decide:
| Feature | Fixed-Rate Mortgage | Variable-Rate Mortgage |
| How it Works | Interest rate stays the same for the entire term. | Interest rate fluctuates based on the market (prime rate). |
| Monthly Payments | Consistent & predictable – Your payment amount stays the same. | Can change – Payments may increase or decrease if rates change. |
| Best For | Members who want stability & budgeting certainty. | Members comfortable with some risk in exchange for potential savings. |
| Potential Savings | No risk of payment increases, but you won’t benefit if rates drop. | If rates stay low or decrease, you could pay less interest over time. |
| Risk Level | Low risk – You know exactly what you’ll pay. | Higher risk – If rates rise, you could end up paying more. |
| Flexibility | More predictable, but may have penalties for early payout. | Often allows easier early payout and conversion to fixed if needed. |
| Good Choice If… |
|
|
Which One Should You Choose?
- If you like stability & predictable payments, go with Fixed-Rate.
- If you’re comfortable with some risk for possible savings, consider Variable-Rate.
- Still unsure? Give us a call at 306.842.6641 or Book a Consultation
When choosing a mortgage, it’s important to consider how much flexibility you need when making extra payments or paying off your loan early. Here’s how our open and closed mortgages typically compare:
| Feature | Open Mortgage | Closed Mortgage |
| How it Works | Allows you to pay off your mortgage anytime without penalties. | Has a set term, with limits on how much extra you can pay each year. |
| Prepayment Flexibility | Unlimited – Make large lump sum payments or pay it off completely anytime. | You can prepay up to 20% of your closed mortgage balance each year without penalty. |
| Interest Rates | Higher rates compared to closed mortgages, since you’re paying for flexibility. | Lower rates because you're committing to a set term. |
| Best For | Members who plan to sell their home soon, expect a large cash influx, or want full payment flexibility. | Members who want lower interest rates and don’t plan to pay off their mortgage early.. |
| Risk Level | Lower risk for early payoffs – No penalties if you sell or pay it off faster. | Higher risk for early payoffs – May have penalties if you break your mortgage early. |
| Good Choice If… |
|
|
Which One Should You Choose?
- If you want full flexibility to pay off your mortgage anytime, go with an Open Mortgage.
- If you want lower rates and are comfortable with a set term, choose a Closed Mortgage.
- Still unsure? Give us a call at 306.842.6641 or Book a Consultation
It's the beginning of a beautiful partnership.
Rapid approval
Forget waiting around for your mortgage approval. We’re based locally and do everything in-house to get you a decision fast.
No auto-decisions
We don’t use pre-defined lending criteria. Your application is personally reviewed by a specialist, who looks at your full financial picture.
Flexible access
You’ve got more going on than just getting a mortgage, which is why we’re happy to help you by phone, email or after hours.
Certified specialists
Buying a home is a big step and we take that seriously. Our specialists are fully certified so they can be the partner you need in your home purchase.
Clear guidance
House-hunting can feel overwhelming, but you don’t have to go it alone. Our team will offer guidance before, during and after the mortgage process.
Faster mortgage freedom
You can make an annual pre-payment of up to 20% without penalty anytime throughout the year to get mortgage free faster.
We’ll need to collect some information for your application. Having it ready will help speed up your approval. Here’s what you need to have on hand:
- Personal information – We’ll need your name, date of birth, legal and/or mailing address, phone number, email, Social Insurance Number, government-issued photo ID, marital status, number of children, occupation, and name of your employer.
- Proof of your income in two different forms – You can provide us with a copy of two current paystubs, a letter of employment, your most recent T4 slip, your most recent Tax Return or Notice of Assessment.
- Detailed list of your assets and liabilities – For example, for a vehicle that you own, we would need the year, make & model, as well as it’s approximate current value. For savings or investments, we need to know what type of investments you have, where they’re held, and what their current value is. For liabilities, we’ll need a list of things you owe money on such as credit cards, loans, or support payments.
- Proof of where your down payment is coming from – Some common sources include personal savings, an RRSP withdrawal, a non-repayable gift from an immediate family member, proceeds from the sale of other property, and funds borrowed against proven assets.
Note: We’ll also need to pull a credit report. At least one of the applicants must have a credit score greater than 600 to qualify.
Meet our Member Experience Team
Maria Ursu
Member Relationship Specialist
T 306-842-9539
Nolan Ling
Marcy Heimlick
Member Relationship Specialist
T 306-842-9529
Eric Schlosser
Member Relationship Specialist
T 306-842-9575
Julie Reich
Naresh Amarnani
Maria Ursu
With eight years of dedicated service at Weyburn Credit Union, Maria Ursu has cultivated exceptional people skills that shine through in her above-and-beyond service. You may recognize her friendly face from her five years as a teller, where she built strong connections with members and always greeted them with a warm smile.
Beyond the credit union, Maria is also a hairstylist and has been perfecting her craft for over 24 years. She loves the creative aspect of doing hair and the meaningful connections she gets to build with her clients.
Outside of work, Maria is all about balance. She’s a certified mindfulness and meditation instructor, bringing a sense of calm and focus to everything she does. But don’t be fooled—she pairs her zen mindset with a go-getter attitude, whether she’s hitting the gym, traveling to new places, or indulging in her love for all things Disney.
Maria’s passion for people, wellness, and adventure makes her an invaluable part of the WCU team, always ready to serve with both heart and hustle.
Nolan Ling
When you work with Nolan, you’ll see right away—he’s all in. As a recent addition to the team, he’s jumped into his role with enthusiasm, eager to help members achieve their financial goals and dreams. With a degree in Business Administration, majoring in Finance from the University of Regina, Nolan brings both knowledge and a fresh perspective to the table.
Originally from Kenosee Lake, he made Weyburn his home in 2013 and quickly became an active part of the community. Whether he’s officiating hockey, coaching minor baseball, or hitting the golf course, Nolan knows the value of teamwork and dedication—both on and off the field.
Passionate about making a difference, Nolan is committed to building strong relationships and finding the right financial solutions for every member he works with. He’s here to listen, guide, and help turn financial goals into reality.
With Nolan on your side, you’re not just planning for the future—you’re moving toward it with confidence. Let’s make it happen!
Marcy Heimlick
Marcy is the kind of person who sees a problem and finds a solution—fast. She’s been part of WCU since 2007, working her way up from a teller and gaining a wealth of knowledge along the way. With experience in multiple roles, she knows the ins and outs of the financial world and is passionate about using that expertise to help members.
For Marcy, building relationships isn’t just part of the job—it’s what she loves most. She has a heart of gold and a natural ability to make life easier for others, both inside and outside the office. Whether she’s offering financial advice, helping a member secure a loan, or just being a supportive voice, her number one priority is making sure people feel empowered and supported.
When she’s not working her magic at WCU, Marcy is on the go as a dedicated gymnastics mom, cheering on her two daughters and keeping up with their busy schedule. Growing up on a farm instilled a work ethic that never quits, and she brings that same drive to everything she does.
With Marcy in your corner, you’re not just getting financial guidance—you’re getting a dedicated problem-solver who genuinely cares. She’s here to make things happen and make them happen smoothly. Let’s get to work!
Eric Schlosser
Eric knows that success—whether in sports or finance—comes from strategy, teamwork, and dedication. With a Bachelor of Commerce degree, majoring in Supply Chain Management from the University of Saskatchewan, he brings a sharp analytical mind and a problem-solving approach to every financial challenge.
A lifelong resident of Weyburn, Eric has been deeply involved in the community through sports, both as a player and a coach. He thrives on connection and collaboration, making it his mission to help members navigate their financial paths with confidence.
When he’s not working with members to achieve their goals, you’ll likely find Eric catching a game, staying active, or making the most of summer at Kenosee Lake. Whether on the field, at the lake, or in the office, he’s always focused on the next big win.
With Eric on your team, you’re not just planning for the future—you’re making it happen. Let’s get started!
Julie Reich
When you work with Julie Reich, things happen—and they happen fast! A go-getter with a passion for financial empowerment, Julie has been helping members take control of their financial futures since 2012. She’s all about building dynamic relationships and making things happen, ensuring every member gets the guidance and support they need to achieve their goals.
With expertise as a CUIC Consumer and Residential Mortgage Lender, Julie is always eager to expand her knowledge and stay ahead of the game. She thrives on new opportunities and isn’t afraid to roll up her sleeves to find the best solutions for her members.
Outside of work, Julie’s energy doesn’t stop. She’s dedicated to fitness, mental well-being, and keeping life balanced—whether that’s hitting the gym, baking up a storm, or spending time with her pets and family. Her spunky personality and can-do attitude make her a powerhouse both in and out of the office.
With Julie in your corner, you’re not just making financial moves—you’re making them with confidence and speed. Let’s get things done!
Naresh Amarnani
Starting his career in banking in India in 2013, Naresh built a strong foundation in financial services before moving to Saskatchewan, where he earned a Post-Graduate Certificate in Financial Services. In June 2022, Naresh joined Weyburn Credit Union, bringing his passion for helping people make confident financial choices to the community.
As a Member Relationship Specialist, Naresh is dedicated to guiding members through major financial milestones—whether it’s buying their dream home, securing a loan, or building long-term financial stability. He believes in taking a personalized, relationship-first approach, ensuring every member feels supported, informed, and empowered.
Outside of work, you’ll often find him on the pickleball or badminton court, enjoying curling, or hitting the slopes for some skiing. Staying active is his way of bringing balance to life and staying energized for the members he serves.
For Naresh, every interaction is meaningful. He’s committed to building trust, fostering financial confidence, and helping members achieve their goals—one conversation at a time.
Boost your mortgage know-how
Check out Enrich - a free, award-winning financial education platform.
Check out Enrich - a free, award-winning financial education platform.
Find all the things you need to get started on your financial wellness journey!
Purchasing a Home in Canada
Contrary to the misconceptions that the homeownership process in Canada is confusing and challenging, it can actually be very straightforward if you follow the right steps and meet all the proper requirements.
Flex your financial fitness muscle with this all-in-one homebuyer's guide.
From tips to remember when buying a home to advice on applying for a mortgage, this handy booklet will take you through all the steps required to purchase a home.
