Mortgages
Welcome to easy, flexible, great rates and lots of choices.
Welcome to easy, flexible, great rates and choices.
We take pride in being different.
Welcome to easy, flexible, great rates and lots of choices.
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.
FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES | RATE |
---|---|
6 Month Closed Mortgage | 7.99% |
1 Year Closed Mortgage | 7.49% |
2 Year Closed Mortgage | 7.34% |
3 Year Closed Mortgage | 5.19% |
4 Year Closed Mortgage | 6.79% |
5 Year Closed Mortgage | 6.49% |
FIXED STANDARD OPEN RESIDENTIAL MORTGAGES | RATE |
---|---|
6 Month Open Mortgage | 9.25% |
1 Year Open Mortgage | 8.00% |
Each interest rate is stated as an Annual Percentage Rate (APR) assuming there is no cost of borrowing other than interest. Legal fees would increase the APR. Special Rate Mortgages are not Tandia posted rates; the high-ratio rate special is based on a high ratio mortgage where a borrower places a down payment of less than 20% of the purchase price of the home. Additional rate premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Interest on Fixed Rate Mortgages is calculated on a semi-annual basis, not in advance. Interest on Variable Rate Mortgages is compounded on a monthly basis. Mortgage applications are subject to credit approval based on Tandia's credit granting criteria. Rates subject to change at any time without notice.
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
We promise to offer our members a comfortable mortgage experience with the best low rates on the market.
Pre-approval not only helps confirm your price range, it also means you can make an offer with confidence.
The best kind of mortgage is no mortgage at all. We can help you get there faster by allowing extra payments here and there.
Unexpected income interruptions can be stressful. We take away that worry with payment relief options during strikes, layoffs and parental leaves.
We can meet where you are. Personalized mortgage advice done easy or remotely. We are here to support you.
Our Low Rate Mortgage promises you one of the lowest mortgage rates available, when rate is what matters most.
Our most popular mortgage offers standard 1-7 year fixed rate terms, preferred 'member' rates and the ultimate advantage in flexibility.
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.
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).
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.
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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.
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.
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Giving back generously to our community to make a positive financial, social and environmental impact is an important part of what Tandia stands for.
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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.
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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*.
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.