From your first home, to your dream home, we're here

Estonian Credit Union has the best rates and the personalized service to match your needs, especially when it comes to something as important as your home.

Residential Mortgages

  • 1st and 2nd mortgages
  • Open or closed term mortgages
  • Fixed or variable rates
  • Home-Equity Lines of Credit
  • Pre-approvals
  • High ratio insured available up to 95% - through CMHC or GENWORTH Insured Mortgage qualification
  • Optional mortgage insurances
  • Refinancing up to 80% (conditions apply)
  • Reverse mortgages available (conditions apply)
  • Appraisal paid by the credit union for transfers and purchases.
The property being financed must be in the province of Ontario.

Check out our rates here. Want to see how much you can afford? Use our mortgage calculators to see if you're ready to buy a home and the best way to pay down your mortgage!

Payment Structures

We offer payment structures that are flexible and based on your needs.

Choose between:

Semi-annual compound interest mortgages OR

Want to pay down your principle faster? We are one of the few financial institutions to offer simple interest mortgages as an alternative. Learn about simple interest here.

Speak to our loans department today to discuss your options and to arrange for a mortgage pre-approval.

Recreational Properties

We also offer financing for recreational properties.

  • Pre-approvals up to 75% - includes properties that are not on municipal services
  • Cottages, 2nd homes, rental properties and more.
For more information, email us at


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