Financing
Check out our new 15 year – 5%p.a. interest – $1000 down offer!
- You are pre approved – NO ONE is turned down!
- With $1,000 down plus closing cost, your payment can be as low as $288.35 a month.
- Enjoy a low interest rate of 5% per annum, fixed for 15 years
- And, there is no time limit to start building
- Call Dave at 204-295-5660, or Jim at 204-330-7077
Here is a table that lets you see how this great offer can be applied to our various lots:
Vendor take back mortgage @ 5% per annum over 15 years
| VTB @ 5% per annum over 15 years | Cash Requirement at Sale | |||||||
| lot price | down payment | total financed | factor | monthly payments | staking cert. | 5% GST payment | down payment | CASH REQUIRED |
|---|---|---|---|---|---|---|---|---|
| $37,500 | $1,000 | $36,500 | 0.00790 | $288.35 | $450 | $1,875 | $1,000 | $3,325 |
| $40,000 | $1,000 | $39,000 | 0.00790 | $308.10 | $450 | $2,000 | $1,000 | $3,450 |
| $45,000 | $1,000 | $44,000 | 0.00790 | $347.60 | $450 | $2,250 | $1,000 | $3,700 |
| $55,000 | $1,000 | $54,000 | 0.00790 | $426.60 | $450 | $2,750 | $1,000 | $4,200 |
| $120,000 | $1,000 | $119,000 | 0.00790 | $940.10 | $450 | $6,000 | $1,000 | $7,450 |
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*Special Financing Note For the Following Lots:
Phase 1 Block 1, Lots 22, 24, 26, 28, 29, 30, 35 are owned by the RM of St. Clements but being marketed through this website. The financing conditions for these lots differ from the rest of the Sunset Bay Estates development. There is no VTB financing available. But Noventis Credit Union is pleased to have the opportunity to partner with the RM of St Clements in an offer to provide financing for the 7 lots in Sunset Bay Estates currently owned by the RM of St. Clements.
Financing will be offered to qualified buyers with the following parameters:
- Minimum 10% down payment on purchase price of the lot (90% financing).
- Maximum 15 year amortization***
- Fixed Term interest rates at our residential mortgage rate plus 1.00%.*+
- Variable interest rate of Credit Union Prime plus 1.50%**
- No fees
- Line of Credit (Interest Only) available for 80% financing or below.
*Current fixed 3 year mortgage rate 2.39% (1 – 5 year terms available)
** Current Credit Union Prime rate is 2.95%
*** Ex. $70,000 purchase with $7000 down ($63,000) Payment $446.25 (15 year amortization at 3.39%) +a prepayment penalty shall apply to these mortgages that are paid out/transferred out. The penalty shall be the greater of the interest differential or six month’s interest for fixed rate mortgages and six month’s interest for variable rate mortgages. The penalty shall not apply if the member constructs a residence and the original mortgage is consolidated with a new NCU construction mortgage.