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There's no shame in loving your mortgage

Fall in love with your mortgage when you finance with Tandia! Our 5-year fixed high ratio mortgage at 4.89%* is your perfect mortgage match. Whether shopping for a new home or looking to renew your current mortgage, you’re in great hands with Tandia. With the right connection – you too can love your mortgage.

Fall in love with great rates and personalized service – start your application or book an appointment to meet with us today and say ‘yes’ to your happily ever after!

*O.A.C. 4.89% is the regulatory Annual Percentage Rate if there is no cost of borrowing other than interest and is based on blended payments of principal and interest. Legal and appraisal fees may apply. Interest is calculated half-yearly, not in advance. A high ratio mortgage is applicable where a borrower places a down payment of less than 20% of the purchase price of a home. Additional premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Some restrictions apply. Rate is subject to change without notice.

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Mortgage Options

Wondering what type of mortgage is the right fit for you? Build your mortgage knowledge with our informative breakdown on the mortgage options available to you. Whether just starting out or making the move to your dream home, dig in to find the mortgage product that is right for you at any stage of your journey.

General inquiries

If you have any questions regarding your account, our products, general concerns, a technical issue or if you wish to book an appointment, please call us.

Member Solutions Centre:
 1-800-598-2891 (press 1)

Messages left after regular business hours will be responded to on the next business day.

A happy family

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.
Feel good about your mortgage with Tandia.

Switch Your Mortgage

It’s easy to switch your mortgage to Tandia! With competitive rates and exceptional service, you’ll be glad you did. We’ve got the straightforward advice you need to get you on track towards your bright financial future. Take your first big step towards a more comfortable mortgage experience.

Renew and Refinance

Looking to renew or refinance your mortgage? Find out how smooth the process can be. Let us help you review your options so you can make a move you’ll be proud of. We’ve got the keys to empowered home ownership decisions – check it out!

Buying a Home

There's a lot to know when it comes to buying and owning a home. We’d like to be your partner each step of the way, from helping you understand your options, to mortgage pre-approval, to the final stages of closing your mortgage. Let's have a look at things step by step...

Mortgage Calculator

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.

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.

Home and Auto Insurance

Enjoy exclusive savings – up to 55% – when you bundle your Home and Auto coverage with CUMIS, our loyal insurance partner. Take advantage of the preferred member rates, comprehensive coverage and straightforward claims process you deserve.

Get ready for a unique experience.

We believe in providing better service, exceptional rates and a cooperative business model that puts our members first, not just profits. At Tandia, you’ll be treated as an individual, not a number – you're our friend and neighbour from down the street.

More about Credit Unions

A credit union is a community based financial institution that accepts deposits, makes loans, and provides a wide array of other financial services and products.

Credit unions are among the country’s soundest financial institutions. At credit unions your deposits are safe and protected.

Tune in to Season 3 of Tandia Talks Money (Mortgage Edition) and get into the home ownership mindset. This season, we’re diving into mortgage options and the home buying process to get you ready for this exciting stage in your life. With Tandia Talks Money, we aim to empower you to make informed financial decisions, with take-action tips to help you create the life you want. Start listening!


First Home Savings Account

Start saving for your first home purchase with a First Home Savings Account (FHSA). An FHSA is a great way to save up for your down payment and can allow you to grow your savings faster – tax free! Find out more and start making your homeownership dreams a reality.

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