Mortgages
Turn your dream into your dream home
What’s your next move?
Buying
Renewing
Switching
Find the mortgage to match your needs
Open Mortgage
Perfect for you if...
You are looking for the flexibility of making increased or additional payments, to pay off your mortgage in full early or refinance or renegotiate your mortgage.
Key features
- Competitive rates
- Pre-approvals available
- Low cost life, and disability insurance available
- No application fee
- Weekly, biweekly, or monthly repayment schedules
Closed mortgage
Perfect for you if...
You want to take advantage of lower interest rates available and don't need flexibility in your payment schedule.
Key features
- Flexible repayment term - choice of amortization
- Renewal terms of 6 months to 5 years
- Competitive rates
- Pre-approvals available
- Maximum amortization - 25 years
Total Access Home Equity™
Perfect for you if...
you're looking to manage all of your credit needs under one mortgage product that puts the equity in your home to work for you.
Key features
- Choose between fixed and variable rate solutions or between short and long-term solutions.
- Apply once to access up to 80% of your home's current value*.
- Access through multiple borrowing products, including mortgages loans, lines of credit, and overdrafts.
- Funds are easily accessible from lines of credit through online banking, ATMs, debit card, in-branch, or by cheque.
Get your mortgage your way
Mini, Mobile, and Modular Home Financing
Choose the perfect home that suits your needs, regardless of size or shape. We offer special rates for your home mortgage needs, whether you're looking for new or used or plan to live on owned or leased land.
Build your dream home
Creating your ideal home is a thrilling and fulfilling journey. This could involve investing in a newly constructed house or acquiring a plot and constructing your dream home from scratch. Or maybe you're purchasing a fixer upper? Ask us about our Purchase Plus Improvement Program or for a Cash Back Mortgage.
Not sure which mortgage is right for you?
We’ll be happy to help you pinpoint the option that best suits your needs.
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Take a look at the latest, competitive rates on offer for our mortgage solutions.
Thinking of buying a home? Try our calculator to find the mortgage to fit your budget.
Level up your financial know-how
Guide to homebuying
Purchasing a home is no easy task. Our guide is your one-stop, go-to resource for all things homebuying.
How to ace the stress test
With a little preparation, you can get top marks on your mortgage stress test when the time comes to buy your first home.
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Copyright 2024 OMISTA Credit Union. All rights reserved.
Copyright 2024 OMISTA Credit Union. All rights reserved.
