We offer a number of mortgage products and payment options for you to choose from.

20/20 pay-down option
Pay up to 20% of your original mortgage principal each year in addition to increasing your payments by 20% without penalty!

HeadStart Program
Welcome to the largest economic provincial government program in the last decade to address entry-level housing in Saskatchewan.

Residential Mortgage Security
When you borrow money to buy a house, security in the form of real property is required to obtain a mortgage.

Residential Mortgage Default Insurance
Legislation limits financial institutions to lend a maximum of 80% of the purchase price (or appraised value) of the property you are purchasing, whichever is less. Should the borrower have less than 20% for a down payment (therefore exceeding the 80% loan to property value maximum) mortgage default insurance must be obtained.


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From the desk of our CEO

Federal Continuance

For information on upcoming changes to DEPOSIT INSURANCE if we become a federal credit union, see our disclosure notice. Creditors who have concerns may contact Innovation Credit Union.

Caring Company