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​Mortgages

Welcome to friendly. Welcome to flexible.  

​Welcome to a more 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 specific needs now, while allowing the flexibility you want for the future.

Great Rates

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


Convenient Pre-approval

Pre-approval not only helps define 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.  


Featured Rates

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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)

​​Terms and Conditions

  • 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

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.

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

​​Terms and Conditions

  • 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.

Interest rates

There is no guessing or negotiating required. 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.

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

​​Terms and Conditions

  • 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

Interest rates

There is no guessing or negotiating required. 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.

Advice and help

Because there's a lot to know and consider when it comes to buying and owning a home, visit our  Buying a home page and Calculator page or contact us for helpful advice and information.


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 (appointment recommended).

Apply Now

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.

Learn more â†’

Buying a home     

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

 Calculate your mortgage â†’

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.

 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*. 

Learn More

We are here for you

We encourage you to get in touch at any time, whether it’s with a question about our business or a comment on how we might be able to better serve you. After all, at Tandia, your voice is the most important one.

1.800.598.2891

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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.


Member of the Deposit Insurance Corporation of Ontario. â„¢ DirecTCU is a trademark of the Canadian Credit Union Association and is used under license. Tandia Financial Credit Union Limited operating as Tandiaâ„¢

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