Buy your dream home

Best Mortgage

Find the perfect mortgage for you. Whether it’s your first mortgage, a new build mortgage, or you need a fresh start, you’ll find what you’re looking for!

Join the 57,000+ members who bank with us!



Choose your perfect mortgage

First Mortgage

Save thousands with the first-time home buyer incentive! 

  • Save money
  • Enjoy flexible options
  • Earn cash dividends
  • Be debt-free faster

Fresh Start Mortgage

Get a mortgage with lower credit score requirements!

  • Save money
  • Get that home even if you’re self-employed, new to Canada, or were rejected by a bank
  • Enjoy flexible options
  • Pay lower rates
  • Earn cash dividends

Line of Credit Mortgage

Access cash with a lower interest rate than that of a loan or credit card. 

  • Access cash when you need it
  • Pay low interest rates
  • Deduct tax for home renos
  • Earn cash dividends
  • Pay off high interest debt

New Build Mortgage

Make your new build easier with professional advice, options to fit your needs, and competitive rates.

  • Access mortgage specialists to help with your build
  • Choose from a variety of flexible mortgage options
  • Enjoy competitive mortgage rates to save you money
  • Get the money you need when you need it
  • Earn cash dividends for banking with us

Transfer Mortgage

Discover fast approvals, flexible options, great rates, and cash dividends for banking with us.

  • Pay less
  • Enjoy flexible options
  • Get speedy approvals
  • Earn cash dividends
  • Be debt-free faster

Next Home

Get fantastic rates, fast approvals, endless options, and cash dividends for banking with us.

  • Pay less
  • Enjoy flexible options
  • Get speedy approvals
  • Earn cash dividends
  • Be debt-free faster


Special Offers

Get up to $3,000*

Mortgage Cashback Offer

Get up to $3,000* on your first mortgage! Plus:

  1. Save thousands with the first-time home buyer incentive
  2. Get the professional help you need throughout your mortgage
  3. Earn cash dividends for banking with us

*Terms & Conditions apply

Get up to $1,500*

Mortgage Transfer Offer

Get up to $1,500* when you transfer your mortgage to us! Plus:

  • Enjoy a great rate
  • Discover easy, fast approvals
  • Earn cash dividends for banking with us

*Terms & Conditions apply



What are the eligibility requirements to apply for a mortgage?

Proof of Residence

You must be a Canadian resident.

Proof of Age

You must be 18 years of age or older to apply.



Join the 57,000+ Canadians who bank with us






Save

Our No-Fee Bank Account has no monthly fees and no balance requirements. Save as much as $360/year in fees!

Earn

You earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit.

Give

Your business helps us support your community. We allocate 2% to 4% of pre-tax profits/year to our communities.



Need more help choosing your mortgage?

Try our mortgage selection tool!


Rates subject to change without notice.

Innovation Credit Union will lend for properties located in Canada only.

Additional information for building mortgages could be required depending on the type of construction project you are undertaking.