​Mortgages

Low Rate Mortgage

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

This mortgage is right 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 (link to Buying a Home page)

The Advantage Mortgage

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

This mortgage is right 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

Variable Rate Mortgage

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 ranging from 1 to 5 years.  

This mortgage is right 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

First-time home buyer

As a first-time home buyer, you probably have many questions. There’s no better place for tailored 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.

Buying a home     

There's a lot to know when it comes to buying and owning a home. 

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.