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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
Renew
Continue enjoying great rates, profit sharing cash dividends, friendly advice, and flexible pay-down options.
- Enjoy competitive rates
- Choose from flexible options
- Earn cash dividends
- Be debt-free faster
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
Looking for a mortgage pre-approval?
Our mortgage specialists are happy to answer any questions you have and get you started on applying!
Eligibility Requirements to Apply for a Mortgage
Join the 62,000+ Canadians who bank with us
Compare your mortgage options:
Need more help choosing your mortgage?
Try our mortgage selection tool!
Learn more about your mortgage options on the Financial Consumer Agency of Canada's (FCAC) website.
Rates subject to change without notice.
Innovation Federal 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.