Renew

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

Your tailor-made mortgage from Access includes:

Flexible payments options
120-day rate guarantee
Pre-payment options

Book an appointment with a mortgage specialist today!

Start early

Renewing your mortgage can be stressful, so give yourself enough time to research and evaluate your current financial needs. Access can guarantee a rate 120 days before your renewal date. If the rate decreases at any time from the date of this agreement up to your maturity date, your mortgage will be renewed at the lower rate.

Review your finances

Your mortgage renewal is a great time to review your finances. Our lenders have the expertise to review your finances and discuss how to consolidate your debts or help you achieve those home renovations that you would like to get done.

Make your mortgage work for you

Our lenders can recommend different payment options that can help you save interest, like making an extra payment or changing your payment frequency (i.e. accelerated bi-weekly payment vs. regular bi-weekly payment). You can prepay up to 20% of your original balance annually without penalty for fixed terms.

Get a mortgage rate that aligns with your life.

5-YEAR FIXED

4.09^%

3-YEAR FIXED

4.19^%

VARIABLE CLOSED

3.95^%

Rates subject to change without notice.

Why choose Access Credit Union?

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

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

Expert advice on your schedule

We are available outside of normal hours - including evenings and weekends - to suit your schedule and make your experience comfortable and easy.

Mortgage advice from mortgage experts

The more you know about mortgages, the more you can make your mortgage work for you.

How to include renovation costs when buying a home

Learn more about the Purchase Plus Improvements Mortgage.

Builder's Mortgage and renovation loans explained

You’ve got options when it comes to financing your project.

What to know about renewing your mortgage

Feel confident about renewing your mortgage.

Connect with Access Credit Union