Double Up Prepayment Privilege Once per year, you can double your regular principal and interest payment on any scheduled payment date. To return to your original payment amount, you must contact the UnionLink servicing team. Payment Increase Privilege Once per year, you can increase your regular payment by up to 20% of the original amount without penalty. This new amount becomes your standard payment for the rest of the term. Increases are applied to interest first, then principal. Lump Sum Prepayment Privilege You can make up to two lump sum payments per year, provided the total doesn't exceed 20% of the original mortgage amount. Payments are applied to accrued interest first, then the principal balance.

We offer a few ways to access funds from your Meritline HELOC, see below for more information. Once you have requested additional funds, please note that the request can take up to two business days to process and show the available funds in your Client Portal. Client Portal Change Request *Easiest option In your Client Portal you will have the option to request many changes or inquiries relating to your active loans by selecting 'View Details' on the product in the portal. In this instance, you will select your Meritline HELOC loan. Once your loan opens on the screen, select 'Request a Change' button and complete the form. The correct 'Request Type' is Additional HELOC Request. Contact Our Servicing Team You can connect directly with our servicing team by either phone (888) 959-8179 or email at servicing@unionlinkmortgage.ca.(mailto:servicing@unionlinkmortgage.ca) Have your account information readily available as you will need to verify your identity and account information in order to process your request. Meritline HELOC Cheques If you prefer to have ongoing access to your Meritline HELOC funds, maybe a cheque is the best option for you. To get a cheque book, you will either request a chequebook via your client portal or by contacting our servicing team. The chequebooks come in packs of 15, 25, or 50 cheques and a service fee will be added to your HELOC balance.

Client Portal Once you have logged into your portal, you will be able to find your most recent mortgage statements by selecting 'View Details' on the product in the portal. A screen with your mortgage information will populate and on this screen you will have the option to download your latest statement. Contact Our Servicing Team You can connect directly with our servicing team by either phone (888) 959-8179 or email at servicing@unionlinkmortgage.ca. Have your account information readily available as you will need to verify your identity and account information in order to process your request.

Our Mortgage Support team is here to help! You can either request changes to your mortgage in your portal, or by contacting us directly at the contact information provided below. If you would like to request a change in your portal, please select the mortgage you would like to request a change for, and then select 'Request Change'. Mortgage Support Contact support@unionlinkmortgage.ca(mailto:support@unionlinkmortgage.ca) (888)-959-8179

We provide 100% in-house servicing, meaning our dedicated internal team supports you for the life of your mortgage term. You can trust that you will receive the same high level of care post-funding as you did during the application.