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*Mortgage Cash Back Offer Legal Terms and Conditions:

1. Offer available for new mortgage loans for new purchase or mortgage loans that are transferred to Northern Birch Credit Union from another financial institution.
2. Mortgage loans must be funded within 130 days of application.
3. This cash back offer is not applicable for existing mortgage renewals or refinanced mortgages at Northern Birch Credit Union.
4. This cash back offer is available to new members, existing members and existing borrowers, when a new property is purchased, or an existing mortgage is transferred to Northern Birch from another Financial Institution.
5. The cash back offer is only available on mortgages for owner-occupied properties.
6. The cash back offer is not available for Co-op Loans or Co-Ownership mortgages.
7. Mortgage loans must have a minimum principal amount of $100,000.00 and be a closed mortgage with a fixed term of a minimum of 3 years or more. Alternatively, the minimum principal amount of $100,000.00, may be borrowed as a 5-year variable rate closed mortgage.
8. This cash-back offer is available for mortgages processed at advertised rates only.
9. Qualifying members must set up a minimum payroll auto-deposit, large enough to cover their mortgage payment. If the payroll deposit is cancelled anytime during the initial term of the mortgage, the cash-back funds must be fully repaid to the credit union.  
10. Qualifying members will receive the applicable cash back amount as follows:

Your mortgage value is $100,000 - $299,999.99 = $1000

Your mortgage value is $300,000 - $499,999.99 = $1500

Your mortgage value is $500,000 – $749,999.99 = $2000

Your mortgage value is $750,000 - $999,999.99 = $2500

Your mortgage value is $1,000,000 or greater = $3500

11. Cash back funds will be deposited to your Northern Birch chequing account within 6 weeks after the mortgage funding date. Verification of the payroll deposit must be received prior to the cash back deposit.  Without the payroll deposit activated in the first 6 weeks, the cash back offer will be null and void.
12. Any prepayment of the mortgage within the initial term, more than the allowed 15% annual privilege, will result in the requirement to repay the “cash back” as per the Repayment Charts at end of document.
13. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.
14. Applicants/Borrowers are subject to a minimum credit score satisfactory to Northern Birch, in its discretion.
15. Availability of the cash back offer is subject to Applicants/Borrowers being approved as per Northern Birch Retail Lending Policies. Lending rates are subject to change, at any time, without notice.
16. This special may be offered in combination with the Legal Fee Reimbursement Offer.

See specific Terms & Conditions for the offer.

17. This special may be offered in combination with the Appraisal Fee Reimbursement Offer
    See specific terms and conditions for the offer.
18. This special may be offered in combination with the Discounted Rate on a Personal LOC Offer. See specific terms and conditions for the offer.

*Mortgage Appraisal Fee Reimbursement Offer Legal Terms and Conditions:

This offer is subject to meeting Northern Birch Credit Union’s (Northern Birch) lending criteria.

1. This offer only applies to owner-occupied properties.
2. The mortgage must start with a minimum principal balance of $100,000.00.
3. This offer is not available for business entities.
4. The Appraisal Fee Reimbursement will be paid as per the invoice provided by the Appraiser, with a maximum reimbursement of $550.00.
5. The mortgage payment must be set up as a “pre-authorized” payment from an account at Northern Birch Credit Union.
6. This offer is available for all new mortgages being transferred in from another financial institution or for the purchase of a property.
7. This offer is not applicable for refinancing an existing mortgage at Northern Birch.
8. The full Appraisal Fee Reimbursement must be repaid should the mortgage be paid in full or should the mortgage be paid down more than the annual pre-payment privilege percentage, prior to the maturity of the initial term.
9. This offer can be changed, extended, or withdrawn at any time by Northern Birch without notice.
10. This offer expires on June 30, 2025.
11. This offer may be offered in combination with the Legal Fee Reimbursement Offer.
    See specific terms and conditions for the Legal Fee Reimbursement Offer.
12. This offer may be offered in combination with the Northern Birch Mortgage Cash back Offer.
    See specific terms and conditions for the Mortgage Cash back Offer.
13. Applicants/Borrowers are subject to a minimum credit score satisfactory to Northern Birch, in its discretion.
14. Availability of the appraisal fee reimbursement offer is subject to Applicants/Borrowers being approved as per Northern Birch Retail Lending Policies.
15. The Legal Reimbursement funds will be deposited to the borrower(s) Northern Birch chequing account on the day the mortgage financing takes place.

*Mortgage Legal Fee Reimbursement Offer Legal Terms and Conditions:

This offer is subject to meeting Northern Birch Credit Union’s (Northern Birch) lending criteria.

1. This offer only applies to owner-occupied properties.
2. The mortgage must start with a minimum principal balance of $150,000.00.
3. The mortgage must have a term of either 3-year fixed rate, 4-year fixed rate or 5-year fixed rate and must be a closed term.
4. The mortgage must be processed with one of the credit union’s advertised rates.
5. The Legal Fee Reimbursement will be paid as per the invoice provided by First Canadian Title (FCT), with a maximum reimbursement of $650.00.
6. This offer is not available for business entities.
7. This offer is not applicable for new home purchases.
8. The full Legal Transfer Fee Reimbursement must be repaid, should the mortgage be paid in full or should the mortgage be paid down more than the annual pre-payment privilege amount, prior to the maturity of the initial term.
9. This offer can be changed, extended, or withdrawn at any time by Northern Birch without notice.
10. This offer expires on June 30, 2025.
11. This offer may be combined with the Northern Birch Appraisal Fee Reimbursement Offer.
    See specific terms and conditions for the offer.
12. This offer may be combined with the Northern Birch Mortgage Cash back Offer.
    See specific terms and conditions for the offer.
13. Applicants/Borrowers are subject to a minimum credit score satisfactory to Northern Birch, in its discretion.
14. Availability of the legal fee reimbursement offer is subject to Applicants/Borrowers being approved as per Northern Birch Retail Lending Policies.
15. The Legal Reimbursement funds will be deposited to the borrower(s) Northern Birch chequing account on the day the mortgage financing takes place, and once the Solicitor (if applicable) has provided their Invoice to the Northern Birch Credit Union.

*Mortgage Legal Fee Reimbursement Offer Legal Terms and Conditions:

This offer is subject to meeting Northern Birch Credit Union’s (Northern Birch) lending criteria.

1. This offer only applies to owner-occupied properties.
2. The mortgage must start with a minimum principal balance of $150,000.00.
3. The mortgage must have a term of either 3-year fixed rate, 4-year fixed rate or 5-year fixed rate and must be a closed term.
4. The mortgage must be processed with one of the credit union’s advertised rates.
5. The Legal Fee Reimbursement will be paid as per the invoice provided by First Canadian Title (FCT), with a maximum reimbursement of $650.00.
6. This offer is not available for business entities.
7. This offer is not applicable for new home purchases.
8. The full Legal Transfer Fee Reimbursement must be repaid, should the mortgage be paid in full or should the mortgage be paid down more than the annual pre-payment privilege amount, prior to the maturity of the initial term.
9. This offer can be changed, extended, or withdrawn at any time by Northern Birch without notice.
10. This offer expires on June 30, 2025.
11. This offer may be combined with the Northern Birch Appraisal Fee Reimbursement Offer.
    See specific terms and conditions for the offer.
12. This offer may be combined with the Northern Birch Mortgage Cash back Offer.
    See specific terms and conditions for the offer.
13. Applicants/Borrowers are subject to a minimum credit score satisfactory to Northern Birch, in its discretion.
14. Availability of the legal fee reimbursement offer is subject to Applicants/Borrowers being approved as per Northern Birch Retail Lending Policies.
15. The Legal Reimbursement funds will be deposited to the borrower(s) Northern Birch chequing account on the day the mortgage financing takes place, and once the Solicitor (if applicable) has provided their Invoice to the Northern Birch Credit Union.