Important Reminder: There is a notable increase in fraud activity throughout the province.
Please be cautious of unexpected emails from agencies or organizations asking to click links and/or update information. Learn how to identify and prevent fraud.


Interac
e-Transfer® issues
: Some members may be experiencing e-Transfers issues with Autodeposit and sending/receiving transfers.
Our digital banking vendor is investigating the root cause to resolve this matter. In the meantime, please see our e-Transfer troubleshooting for temporary solutions.

Mortgages


Mortgages with more flexibility and more options.

With an Access mortgage, you can shop with confidence with a hassle-free pre-approval process. Plus, get the flexibility to make payments on your schedule and within your budget.


We’ll take the guesswork out of mortgaging a home. Let us help you finance the home of your dreams.

Builder's Mortgage
Construct a home and pay for it in stages as it is being built. 

  • The approval process, payment terms, and down payment are based on the projected value of the completed home.

  • An appraisal based on the home's blueprints and materials selection determines the lending value of the property.

  • Once construction is under way, you will be required to make regular interest payments on the funds that have been advanced, according to the completion stage of your home.

  • When construction is complete and the mortgage is fully advanced, regular principal and interest payments begin.

Access Mortgage

A hassle-free pre-approval process and flexible payment options.


  • Fixed rate: six-month to five-year terms available
    • Prepayment of 20% of original balance allowed annually, without penalty, for fixed terms
  • Open Variable rate mortgages with no prepayment penalties
  • Closed Variable rate mortgages with the best variable rates we can offer
  • Weekly, bi-weekly, semi-monthly, and monthly payment schedule options available
  • Free automatic payment transfer system available

Why get an Access Credit Union mortgage?

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A personalized approach.

We treat members like family and work with you to discuss the facts, figures, and information needed to make informed financing decisions.
Flexible Payments icon

Advice on your schedule.

We are available outside of normal hours—including evenings and weekends—to suit your schedule and make your experience comfortable and easy.
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Cash back with Member Rewards.

Access members are true owners of the organization and are eligible to share in the annual profits through our Member Rewards program.
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Flexible payment options.

Six-month to five-year fixed rate terms, variable rate mortgages, and weekly to monthly payment schedule options available.

Mortgage Rates & Resources


1 Year
1.89%
2 Year
1.95%
3 Year 2.00%
4 Year 2.05%
5 Year
1.95%
Variable Open
2.45%
Variable Closed
1.60%

Interest rates are subject to change without notice at any time.
Rates were last updated June 28, 2021.
Do you qualify for a mortgage? How much interest can you save refinancing your mortgage? How long will you be paying it off?

We’ll help you answer all these questions and more to ensure your mortgage fits your needs. Get started by reviewing these resources to help prepare for your mortgage meeting:


Simplify the application process: get pre-approved today!
Whether you’re renovating, transferring your mortgage, consolidating debt, buying your first home, or looking for that second property, use our online lending form to get pre-approved. After submitting the form, our lenders will conduct the full pre-approval process including a credit check, income confirmation, and down payment verification.
Your mortgage, on your schedule
Whether you’re working a 9-to-5, home with the kids, or have other weekday commitments, it isn’t always easy to make it down to a branch for a daytime appointment.

That’s why Access Credit Union’s Mobile Mortgage Team will discuss your financing options at a time and place that suits you—evenings, weekends…whenever!

Our Mobile Mortgage Specialists can help you:
  • Buy your first home
  • Transfer your existing mortgage to Access
  • Renovate a new or existing property
  • Leverage your built-up equity
  • Strategize to become mortgage-free sooner

Text/Call Kyle Nixdorf at: 204.998.1900

Text/Call Laura Gallaher at: 204.999.2796
Email: Laura.Gallaher@accesscu.ca
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