Buying a Home

We’ll help you on your journey to a home of your own.

Buying a Home

Download a free step-by-step guide to buying your first home

Our First Time Home Buyers Guide takes you through the steps and decisions you’re facing: from measuring your financial fitness and accessing government programs, to choosing an agent to help you navigate the real estate market.

Get Your FREE First Time Home Buyers Guide

You might need a mortgage, but what you’d like is a home.

Let’s get you there! From personalized service to competitive rates, we’ll help you find the perfect fit. And, when you select Kindred as your mortgage provider, you’re supporting a member-owned local business that makes a difference in your community.

We offer competitive mortgage rates!

See all of the fixed and variable mortgage rate options available from Kindred Credit Union!

Considering buying a home with a group of friends or extended family members? It’s an idea with growing appeal in today’s expensive real estate market. We can help!

How much can I borrow?

These calculators are not intended to provide investing or lending advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your local branch and speak with a member of our Investment or Lending teams for personalized advice.

Why choose a Kindred mortgage? We make home buying easy with personalized service and competitive rates!

Competitive rates

Our rates are just one part of your mortgage solution. That said, we understand it’s an important part. Relationship pricing may earn you a better rate, rate specials are offered throughout the year, and our best rate is guaranteed for 90 days when you get pre-approved!

Peace of mind

Kindred’s mortgage experts always work for you. There’s no commission here, so we put your financial best interests first. Plus, our transparent process shows you the reasoning behind our recommendations, allowing you to make an informed decision.

Flexibility to change along with you

Life changes, and your Kindred mortgage can adapt to your life. You can set your mortgage payments on a schedule that works for you. Or, if you find a bit of extra money, take advantage of our prepayment options and pay down your mortgage sooner.

Portability so your mortgage moves with you

Transfer your existing Kindred mortgage to a new property anywhere in Ontario, even if there’s time left in your term. Straightforward mortgage portability means you can focus on your move.

Protection for your loved ones

Kindred offers mortgage life insurance, so you can ensure the security of your family home and protect your loved ones. Many people find it difficult to consider life insurance, but an honest conversation followed by a well-thought-out plan can make all the difference in a time of need.

Profit Shares - that’s money back in your pocket

We share a portion of Kindred’s annual earnings with members through Profit Shares. The amount you receive is based on your total annual business with Kindred, which means your Profit Shares are like a return on your mortgage interest payments. Ownership in a credit union has its benefits!

We also offer commercial mortgages for your farm, church, or business. Learn more.

What if the numbers say I’m not ready to buy?

We’ll help you understand what the calculator is telling you. Every situation is different, but it may simply be that your current income and debt levels don’t meet our criteria. Your lender can help you understand what you can do to set yourself up for approval in the future. Find your mortgage expert.

Fixed or variable? Open or closed? Amortization? What makes up a mortgage?

We’ll tell you everything you need to know about buying a home here. This is a great resource for first-time home buyers.

We have a number of different mortgage options to suit your needs. Get familiar with your home buying options by reviewing the information below.

Full-Feature Mortgage

Value Mortgage

Full-Feature Mortgage

Choose the term length that fits your life — 1 to 5 years; choose a variable or fixed rate; open or closed mortgage.

Flexibility to prepay up to 20% of your remaining principal balance once annually between anniversary dates. Plus, you can increase your regular payment by 20% once anytime between anniversary dates.

Our Full-feature Mortgage allows you to use the equity in your home to access additional credit in the future for a home renovation loan or line of credit.