2026 Annual General Meeting - April 28th: Registration Now Open - Learn More
Branch Advisory: All Tandia branches will be closed on Monday Aug. 3rd for the Civic Holiday. Regular business hours will resume on Tuesday Aug. 4th. Our online banking, mobile app, and ATMs are open 24/7 for your everyday banking needs.
How can we help you today?
Solutions as Unique as You
Whether you're looking to invest, borrow or save, Tandia provides personal and customized access to daily banking, financial products and wealth management services. We are here to help you achieve your financial goals.
We Are Here for Education
Education is a core part of building a strong financial foundation. We offer a range of scholarships and awards combined with free financial literacy programs and workshops. Investing in each other always pays off.
We Invest in You
Tandia is committed to giving back generously to our community. We believe we should have a positive social, environmental and economic impact on the communities in which we live and work.
Featured Rates
*The Annual Percentage Rate (APR) is based on a $200,000 mortgage, 25 year amortization, for the applicable term assuming monthly payments and a property valuation fee of $350. If no fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate displayed.
Commonly asked Mortgage Questions.
How can I lower my mortgage payments?
You may be able to lower your payments by refinancing, securing a lower interest rate, extending your amortization, increasing your down payment, or restructuring your mortgage when your term ends.
How much can I afford to borrow for a mortgage?
Most lenders use your income, debts, credit history, down payment, and current interest rates to determine affordability. They also apply the mortgage stress test to ensure you can afford future rate increases.
How early should I review my mortgage before renewal?
Most homeowners should begin reviewing their mortgage 4 to 6 months before renewal. This provides time to compare lenders, negotiate rates, and consider refinancing options.
Should I switch mortgage lenders?
Switching lenders at renewal may help you secure a better rate, improved mortgage features, or more flexible repayment options. Compare the total value, not just the advertised interest rate.
What is the difference between renewing and refinancing?
Renewing extends your current mortgage into a new term, while refinancing replaces your mortgage with a new one, allowing you to change the balance, amortization, or payment structure.
Can I renegotiate my mortgage before renewal?
Yes. Some lenders allow early renewal discussions, and homeowners may be able to secure better terms before their current mortgage expires.
Switching, Renewing or Refinancing?
If your current mortgage term is ending it pays to investigate your options. Let us walk you through the basic choices and steps of switching, renewing or refinancing your mortgage.
It's Time for a Mortgage Review
Your mortgage should support your financial goals, not stress you out. Life changes, and your mortgage should keep up. Contact us for a no-obligation and no cost mortgage review.
Mortgage Calculators
Balancing financing and expenses is a constant challenge. Use our Mortgage Calculator to figure out what the costs are. It's quick, accurate and easy to use. Let us do the math.
At Tandia Financial you’re not just our customer,
you are a member and an owner.
That means you can be confident that your unique needs come first. We understand that everyone is different, and we tailor solutions that are just right for you.
We are here for you
Get in touch with us at any time, whether it’s a question about our services or a comment on how we can do things better. Your voice is number one at Tandia.
To report a lost or stolen MEMBER CARD® debit card during regular business hours, call 1-800-598-2891 after hours please call 1-888-277-1043.
© 2026 Tandia Financial a Division of Alterna Savings and Credit Union Limited.