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Welcome to an easy-going life with a Tandia Mortgage

Here at Tandia, we’re proud to offer a comfortable mortgage experience and at a pleasantly low rate. We will work with you to ensure that your home financing suits your unique needs, while allowing the flexibility you want for the future.


Closed Fixed Rate 3-Year Mortgage

4.64%




 

5-Year High Ratio Mortgage Special

4.49%*

 

 

 


Closed Fixed Rate 5-Year Mortgage

4.64%




Tandia Best Rates

The Best Rates

We promise to offer our members a comfortable mortgage experience with the best low rates on the market.

Convenient Pre-approval

Pre-approval not only helps confirm your price range, it also means you can make an offer with confidence.

Flexible Pre-payments

The best kind of mortgage is no mortgage at all. We can help you get there faster by allowing extra payments here and there.

Payment Relief Options

Unexpected income interruptions can be stressful. We take away that worry with payment relief options during strikes, layoffs and parental leaves.

In-person or Mobile

We can meet where you are. Personalized mortgage advice done easy or remotely. We are here to support you.


Low Rate Mortgage

Overview

Our Low Rate Mortgage promises you one of the lowest mortgage rates available, when rate is what matters most.

This is good for you if:
  • You want a low rate and you don't anticipate refinancing your mortgage or prepayment opportunities greater than 10% during the term chosen.
  • You have a minimum 20% down payment for a home.
  • You have less than a 20% down payment and require a high ratio mortgage.

 

 

  • Minimum mortgage amount is $100,000.
  • Eligible security includes primary residences.
  • Maximum mortgage amortization is 30 years.
  • Interest is calculated half-yearly not in advance.
  • Mortgage rates are stated as an Annual Percentage Rate (APR) Legal, appraisal, processing and discharge fees apply and may increase the APR.
  • Full repayment before maturity can only occur if the property is sold.

The Advantage Mortgage

Overview

Our most popular mortgage offers standard 1-7 year fixed rate terms, preferred 'member' rates and the ultimate advantage in flexibility. 

This is good for you if:
  • You want the most flexibility for repayment and refinancing, including double-up payments anytime, 20% anniversary prepayments and portability.
  • You have a minimum 20% down payment for a home.
  • Eligible security includes primary residences.
  • Maximum mortgage amortization is 30 years Interest is calculated half-yearly not in advance.
  • Mortgage rates are stated as an Annual Percentage Rate (APR) Legal, appraisal, processing and discharge fees apply and may increase the APR.
  • Full repayment before maturity will incur the greater of 3 months’ interest or the interest rate differential based on Tandia’s posted rates.

Variable Rate Mortgage

Overview

Benefit from the ultimate flexibility with our Variable Rate Mortgage, where interest rate fluctuations can work in your favour. It can be open or closed, and terms offered range from 1 to 5 years.

This is good for you if:
  • You watch interest rates carefully. 
  • You expect interest rates to stay stable or drop.
  • Your finances can accommodate a higher payment should interest rates increase.
  • You have a minimum 20% down payment for a home.
  • Mortgage rates are stated as an Annual Percentage Rate (APR).
  • Interest is calculated daily on the outstanding principal and compounds monthly.
  • Maximum amortization period is 30 years Legal, appraisal and processing fees apply.
  • An open Variable Mortgage allows prepayment or payment in full at any time prior to the term expiry without penalty.
  • A closed Variable Mortgage provides the option of paying up to 20% of the principal on each anniversary; full repayment before maturity can only occur if the property is sold.

Tandia interest rates

There is no guessing or negotiating required. We will always offer you our best. We post our 'preferred' rates and can provide comparative ‘market’ rate information of the nation’s top five banks to demonstrate our competitiveness. Preferred rates are also automatically offered at renewal time.

You can start your mortgage application online it's fast and it's easy.  Feel like you'd rather talk to someone? Then call our Member Solutions Centre at 1-800-598-2891 or visit one of our branches (appointments are recommended).

Apply now!

 

There's a lot to consider when it comes to buying a home. This is one of the biggest purchases you can make. We can walk you through every step of the way and help explore what the different options are.  Let us do the leg work and find you the best rates.  Contact us for helpful, friendly, easy to understand advice.

Contact us

 

As a first-time home buyer, you probably have many questions. Buying a home involves many decisions. The endless lingo and terms can seem overwhelming. There’s no better place for a tailored personalized mortgage than right here at Tandia. From Home Buyers’ Plan (HBP) to repayment of RRSP funds, let us partner with you each step of the way.  Visit our buying a home guide and let's get you started. 

Buying a home

 

Tandia MeritLine home equity Line of Credit

MeritLine home equity line of credit

Using the equity in your home to secure this pre-approved line of credit (minimum $50,000) guarantees you one of the lowest rates available for credit. A companion MeritLine Account is your key to convenient access.

At Tandia, we believe that financial institutions should be accountable to the people they serve. We believe that there’s more than one way to measure success. We believe that our profits should have a positive financial, social and environmental impact on communities.

We understand that everyone is different, and we work hard to tailor solutions that are right for you.

Learn More

 

Giving back generously to our community to make a positive financial, social and environmental impact is an important part of what Tandia stands for.

Learn More

 

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.

Learn More

 

 

Good things happen when we share

Help us spread the word about Tandia to your family, friends and co-workers and we’ll reward both you and the person you refer with $25 cash*.

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