Low Rate Mortgage

Welcome to friendly.  Welcome to flexible.  Welcome to a more easy-going life with a Tandia Low Rate Mortgage.  

Here at Tandia, we like to do business in a nicer, more neighbourly way.  In the process, we work to ensure that your home financing will suit your specific needs now, and also give you a financial advantage in the future. 

We’re proud to offer our valued members a comfortable mortgage experience and at a pleasantly low rate. 

Low Rate Mortgage Features

  • Competitive low rates; minimum $100,000
  • Convenient pre-approval available and recommended
  • Rates guaranteed for 90 days from date of application and 120 days for first time home buyers
  • Flexible payment options - weekly, bi-weekly, monthly, 10 months
  • Prepayment privilege of 10% on each anniversary date
  • Payment relief available during layoffs, strikes and leaves of absence (including parental)
  • Regular statements issued
  • Life, disability, loss of income and critical illness insurance are available

A Low Rate Mortgage is right for you if:

  • You want a low rate and you don't anticipate refinancing your mortgage or large prepayment opportunities 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

Terms and conditions Expand/Collapse

  • Minimum mortgage amount is $100,000
  • Eligible security includes primary residences
  • Maximum mortgage amortization is 30 years
  • Full repayment before maturity can only occur if the property is sold
  • Legal, appraisal, processing and discharge fees apply

Interest rates

There is no negotiating required - we post our best 'low rates' and can provide comparative 'market' rate infomration of the nation's top five banks to demonstrate our competitiveness.  'Preferred' rates are also automatically offered at renewal time.

It's easy to apply

You can start your mortgage application online, call our Member Solutions Centre at 1.800.598.2891 or visit your branch (an appointment is recommended).

Mortgage rates are quoted as an Annual Percentage Rate (APR) and are calculated half-yearly not in advance.  Legal and appraisal fees would increase the APR.

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Low Rate Mortgage Specials
5 Year Closed High Ratio Fixed Rate Mortgage 2.59%
5 Year Closed Fixed Rate Mortgage 2.89%