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What stage of home ownership are you in?
Buying my first home
Buying your first home is a big step—and you don’t have to do it alone. We take the time to understand your goals, walk you through your options, and make the process clear and manageable. From saving for your down payment to choosing the right mortgage, we’re here with local expertise, flexible solutions, and advice you can trust—so you can feel confident every step of the way.
Building my home
Building your dream home is an exciting journey—and it comes with unique financing needs. We’re here to guide you from blueprint to move-in day with flexible construction mortgage options and clear, straightforward advice. We take the time to understand your plans, work alongside your builder, and support you through each stage of the build. With local expertise and a focus on relationships, we’ll help make your vision a reality—every step of the way.
Buying my next home
Buying a home is one of life’s biggest decisions—and having the right partner makes all the difference. We keep the process simple and straightforward, helping you find a mortgage that fits your needs and your budget. With flexible options, local expertise, and advice you can trust, we’re here to support you every step of the way—so you can focus on settling into your new home with confidence.
Switching my mortgage
Switching your mortgage can feel like a big move—but it can also be a smart one. We make the transition straightforward, taking care of the details and guiding you through each step. Whether you’re looking for a better rate, more flexible options, or a lender who understands your local community, we’ll work with you to find the right fit. With personalized service and advice you can trust, switching your mortgage has never been easier.
Renewing my mortgage
When it’s time to renew your mortgage, it’s more than just signing on for another term—it’s an opportunity to make sure your financing still fits your life. At our rural credit union, we take a personalized approach, reviewing your goals, exploring flexible options, and helping you secure a rate and term that works for you today and into the future. With local expertise and straightforward advice, we make renewing simple, so you can move forward with confidence.
New to Canada
Starting fresh in a new country comes with big opportunities—and unique questions when it comes to buying a home. We’re here to make the process quick and simple. We offer flexible mortgage options for newcomers, take time to understand your situation, and guide you through each step with clear, straightforward advice. With local support and a focus on building long-term relationships, we’re here to help you feel at home—both financially and in your new community.
Mortgage Considerations
The first step is applying for a pre-approval with your financial institution. A pre-approved mortgage offers the confidence of knowing what you can afford before you go house hunting. And, if your dream home is popular, you can write up an offer right away.
To get pre-approved, apply online or contact a lender today.
As a purchaser, hiring a real estate agent doesn’t cost you money directly. Both the buying and selling agents make their commission off the seller at the time of sale.
An agent can advise you on the intricacies of a sale or a property. They can help narrow your search field and save you time.
An agent can advise you on the intricacies of a sale or a property. They can help narrow your search field and save you time.
You will always need a lawyer to finalize the purchase of your home. There’s a lot of money on the line. It's important to ensure all your financial transactions are protected by someone who understands the necessary rules. Finding someone you trust to help you with this process is essential.
A home inspection offers a review of the home's structure and major systems, based on what can readily be seen during an inspection. Assessments cannot be made on what is behind the walls, under floors or above ceilings that are not accessible. The same holds true for plumbing; heating, ventilation and air conditioning (HVAC); or the structure of the foundation, walls, windows, doors or roof. The cost of a home inspection will vary depending on a number of factors. Consider the age, size, and location of the home. Typically, a home inspection takes two to three hours.
A land surveyor has the legal authority to determine the boundaries of the property you are considering buying.
A Building Location Certificate (BLC) protects you, as a purchaser, by warning you of any restrictions in the physical extent of the property. It gives you the peace of mind that your purchase is free from the risk of encroaching or being encroached upon.
The homeowner may have a recent BLC for the property, but make sure to validate that it is current and nothing substantial has changed since it was done.
A Building Location Certificate (BLC) protects you, as a purchaser, by warning you of any restrictions in the physical extent of the property. It gives you the peace of mind that your purchase is free from the risk of encroaching or being encroached upon.
The homeowner may have a recent BLC for the property, but make sure to validate that it is current and nothing substantial has changed since it was done.
Make an offer to purchase. Here’s where you require the input of your lawyer and if you have one, your agent. Your offer to purchase is a binding agreement if accepted and includes:
-Purchase price you are offering
-Value of a deposit (including a deposit cheque that is only cashed if the offer is accepted)
-Possession date
-Any conditions of purchase (building inspection, financing etc.)
-Any specific items or concerns you would like reviewed, assessed or completed before the possession date.
-Purchase price you are offering
-Value of a deposit (including a deposit cheque that is only cashed if the offer is accepted)
-Possession date
-Any conditions of purchase (building inspection, financing etc.)
-Any specific items or concerns you would like reviewed, assessed or completed before the possession date.
Resources
First Home Savings Account
Saving for your first home? Save up to $40,000, tax-free, with a FHSA.
Demystifying Mortgages
Four questions to ask yourself before you get a mortgage.
Mortgage Calculator
Estimate your monthly payments with our mortgage calculator.