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

You can trust that the 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. 

Read about our lending rules here.

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.

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 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. 

Speak to our loans department today to discuss your options, and to arrange a mortgage pre-approval! Apply online here.  

Also available: 

Co-ops/Co-ownership Mortgages

  • Financing up to 80% of the appraised value of a co-op/co-ownership apartment
  • Amortization of up to 30 years
  • Loan terms of 1-5 years
  • Fixed and variable interest rates
  • Pre-approvals available.

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

Sounds good? Start your loan application  now!

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