#003B49
lovewhereyoulive_alone

With an Access mortgage, you can shop with confidence with a hassle-free pre-approval process. Plus, get the flexibility to make payments on your schedule and within your budget.

Our lenders will make the process easy! They can make recommendations on how to pay off your mortgage faster, review your current finances and help you with future financial goals.

Why choose Access Credit Union?

120 day rate guarantee

120-day rate guarantee

Shop for your new home at ease knowing your mortgage rate is guaranteed for 120 days. If rates go down, you’ll get the lowest rate for your chosen term.

Flexible payment arrangements
Flexible payment arrangements

Six-month to five-year fixed rate terms, variable rate mortgages, and weekly to monthly payment schedule options available.

Expert advice on your schedule

Expert advice on your schedule

Book a meeting online with one of our lenders. We’re available to meet with you at your branch location, by phone, or online.

Let us help you finance the home of your dreams.

Book an appointment with a mortgage specialist today!

Looking for the right mortgage solution for you?

Renovate your home.

Purchase Plus Improvements

Found your dream home but it needs some renovations? Include those costs in your mortgage.

Borrow additional funds for renovations along with your mortgage.

  • When buying a new home that might require renovations, those costs can be included in your mortgage.
  • Obtain quotes for the renovations and talk with our mortgage experts to get pre-approved for the cost of the home and renovation costs.
  • Renovations can start once you take possession of the new home. Renovations will need to be completed before funds are released.
Building a new home.

Builder's Mortgage

Looking to build a new home? Pay for it in stages as it is being built.

Construct a home and pay for it in stages as it's built.

  • Our mortgage experts have considerable experience with construction mortgages and can help you through this complex process.
  • Though no two construction projects are the same, we will consider the value of the land, the purchase price, the cost of materials and any sweat equity as well as the appraised value in determining the necessary down payment and payment terms.
  • Once construction is under way, you will be required to make regular interest payments on the funds that have been advanced, according to the completion stage of your home.
  • When construction is complete and the mortgage is fully advanced, regular principal and interest payments begin.

Mortgage Rates

With fixed and variable rates, Access offers a range of options to best suit your needs.

5-year fixed

4.09%*

3-year fixed

4.19%*

Variable Closed

5.35%*

*Rates subject to change at any time.

First time homebuyer? We've got you covered.

First time homebuyers.

Book a meeting

Simply book a meeting with one of our lenders when it’s convenient for you. Choose your preferred branch location to meet in person, or you can meet virtually or by phone. We are where you need us to be.

Get pre-approved

Your lender will work with you to get pre-approved for your mortgage. Your finances will be evaluated and will determine what you can afford for your new home.

Shop for your new home

Now’s the fun part; it’s time to start shopping with your realtor! Once you find the right house, make an offer, and it’s accepted, your lender will finalize your mortgage and work with the realtor and lawyer to transfer the house to you.

Book an appointment with a mortgage specialist today!

Expert advice from local experts

Our lenders have the knowledge and expertise to get you the mortgage solution that fits your needs. With local decision making and competitive interest rates, our lenders make the process fast and easy!