--- title: Switch --- #003B49 [![AccessCU\_Horizontal\_Colour\_pws-1](https://mortgage.accesscu.ca/hs-fs/hubfs/AccessCU_Horizontal_Colour_pws-1.png?width=199&height=50&name=AccessCU_Horizontal_Colour_pws-1.png "AccessCU_Horizontal_Colour_pws-1")](https://www.accesscu.ca/) Open main menu Close main menu ![Switching is a piece of cake.](https://mortgage.accesscu.ca/hubfs/Mortgages%202025%20Landing%20Pages/switch_pieceofcake.png "Switching is a piece of cake.") ![Switch your mortgage to Access Credit Union](https://mortgage.accesscu.ca/hs-fs/hubfs/Mortgages%202025%20Landing%20Pages/switchyourmortgage.png?width=981&height=367&name=switchyourmortgage.png "Switch your mortgage to Access Credit Union") We make it easy to switch to Access because we can help cover your transfer fees\* and offer great rates with tailor-made mortgage solutions that work for you. *\*Up to $1,000 in transfer fees can be covered upon approval of your mortgage transfer of $250,000 or higher. Some conditions apply.* When you transfer your mortgage to Access, we cover up to $1,000 in transfer fees such as: Title Insurance Fees We'll cover the First Canadian Title fee which registers your mortgage so you don't need a lawyer. Discharge Fees Your current financial institution must give up the rights to your property and will charge a discharge fee. Property Appraisal Fees We may require a property appraisal to determine the value of your home. Book an appointment with a mortgage specialist today! [![Book an appointment](https://hubspot-no-cache-na3-prod.s3.amazonaws.com/cta/default/20752134/interactive-185479813672.png)](https://mortgage.accesscu.ca/hs/cta/wi/redirect?encryptedPayload=AVxigLLWSsNM%2Bedti29IwF1By5kU9vkTrZ%2FS7Yg1HTKyN0EQXy9w%2FvmJ7KX6HBY2zfG6XMVROOt7oaQsndQtha563NT7So64NwjyZgkj6HI5k0%2Fq30L2joautCqixoMJXqnL8QMY4an5cE5EDAiro7JQuhbtj1zZD5Nn4sYOPVAbsvExJZIXS9nB1f9k4smb%2Fz9klkMe0eH1tESRjxIG2GDnx1kwZt37S47%2F4K56t46h0TWh%2Bf%2By19XY2Weee1Ipryu1C05vv4uxVQWG8aQNcZTuPicDWjh54j9Ldv9NkyojxXl3gt6xp0L18mC1DgqA%2Bh33dGPB8Oh5LNye5FY%2FjTABAg4PX268atv32Ude1tQbtohyzaycVUIuEtae6sRY0%2F6mihTprJ5YSQym4APPWekk&webInteractiveContentId=185479813672&portalId=20752134&hsLang=en) Get a mortgage rate that aligns with your life.   5-YEAR FIXED 4.29%   3-YEAR FIXED 4.19%   VARIABLE CLOSED 3.70% *Rates subject to change without notice.* Why choose Access Credit Union? ![120-day rate guarantee](https://mortgage.accesscu.ca/hs-fs/hubfs/Mortgages%202025%20Landing%20Pages/icon_120day.png?width=165&height=165&name=icon_120day.png "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. ![icon\_schedule](https://mortgage.accesscu.ca/hs-fs/hubfs/Mortgages%202025%20Landing%20Pages/icon_schedule.png?width=165&height=165&name=icon_schedule.png "icon_schedule") Flexible payment arrangements Six-month to five-year fixed rate terms, variable rate mortgages, and weekly to monthly payment schedule options available. ![icon\_advice2](https://mortgage.accesscu.ca/hs-fs/hubfs/icon_advice2.png?width=165&height=165&name=icon_advice2.png "icon_advice2") 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. Book an appointment with a mortgage specialist today! [![Book an appointment](https://hubspot-no-cache-na3-prod.s3.amazonaws.com/cta/default/20752134/interactive-185479813672.png)](https://mortgage.accesscu.ca/hs/cta/wi/redirect?encryptedPayload=AVxigLLWSsNM%2Bedti29IwF1By5kU9vkTrZ%2FS7Yg1HTKyN0EQXy9w%2FvmJ7KX6HBY2zfG6XMVROOt7oaQsndQtha563NT7So64NwjyZgkj6HI5k0%2Fq30L2joautCqixoMJXqnL8QMY4an5cE5EDAiro7JQuhbtj1zZD5Nn4sYOPVAbsvExJZIXS9nB1f9k4smb%2Fz9klkMe0eH1tESRjxIG2GDnx1kwZt37S47%2F4K56t46h0TWh%2Bf%2By19XY2Weee1Ipryu1C05vv4uxVQWG8aQNcZTuPicDWjh54j9Ldv9NkyojxXl3gt6xp0L18mC1DgqA%2Bh33dGPB8Oh5LNye5FY%2FjTABAg4PX268atv32Ude1tQbtohyzaycVUIuEtae6sRY0%2F6mihTprJ5YSQym4APPWekk&webInteractiveContentId=185479813672&portalId=20752134&hsLang=en) Mortgage advice from mortgage experts The more you know about mortgages, the more you can make your mortgage work for you. ![Variable or fixed-rate mortgages](https://mortgage.accesscu.ca/hs-fs/hubfs/Mortgages%202025%20Landing%20Pages/blog1-1.png?width=500&height=300&name=blog1-1.png "Variable or fixed-rate mortgages") Variable or fixed-rate mortgages Learn which option is right for you. [Read More](https://blog.accesscu.ca/variable-or-fixed-rate-mortgages?hsLang=en) ![How to calculate your mortgage payments.](https://mortgage.accesscu.ca/hs-fs/hubfs/Mortgages%202025%20Landing%20Pages/calculate-mortgage-payments.png?width=500&height=300&name=calculate-mortgage-payments.png "How to calculate your mortgage payments.") How to calculate your mortgage payments Determine your monthly mortgage payment options. [Read More](https://blog.accesscu.ca/how-to-calculate-your-mortgage-payments?hsLang=en) ![How to switch your mortgage](https://mortgage.accesscu.ca/hs-fs/hubfs/Mortgages%202025%20Landing%20Pages/blog2-1.png?width=500&height=300&name=blog2-1.png "How to switch your mortgage") How to switch your mortgage Find out the easy steps to move your mortgage to Access. [Read More](https://blog.accesscu.ca/how-to-switch-your-mortgage?hsLang=en) #### Connect with Access Credit Union Follow Access Credit Union on social media for financial advice and news from our member community.  [![facebookwhite\_64x64](https://mortgage.accesscu.ca/hs-fs/hubfs/facebookwhite_64x64.png?width=45&height=45&name=facebookwhite_64x64.png)    ](https://www.facebook.com/AccessCreditUnion) [![linkedin](https://mortgage.accesscu.ca/hs-fs/hubfs/linkedin-6-64.png?width=45&name=linkedin-6-64.png)       ](https://www.linkedin.com/company/access-credit-union)[![instagramwhite\_64x64](https://mortgage.accesscu.ca/hs-fs/hubfs/instagramwhite_64x64.png?width=45&height=45&name=instagramwhite_64x64.png)](https://www.instagram.com/accesscreditunion/)