ACU - Mortgages - Winnipeg and Manitoba

The key to finding the best mortgage is determining what will work for you. Our mortgage specialists are here to help you figure that out — for today and into the future. They’ve used their expertise and experience to help thousands of members, and they’re ready to help you.

You want the whole picture, and you don’t need surprises. An ACU mortgage specialist will walk you through …

Term, rate and down payment options
Payment frequency options
Discuss payment options, and,
Legal, insurance & other mortgage and home ownership costs
Savings strategies
Help you get pre-approved

… and they’ll take the time to answer all your questions.

Finding the perfect home can be difficult, but getting an ACU mortgage is easy.

Talk to an ACU mortgage specialist today. Wherever you are on your home ownership journey, we’re here to help. We’ll even guarantee your rate for 120 days^† so you don’t have to feel rushed as you search for your perfect home.

†ACU will guarantee the qualifying rate for up to 120 days from time of qualification for new mortgages. Conditions apply.

Buying your first home

There’s a first time for everything including buying a home. Learn about the buying process, types of mortgages available, mortgage rates, payment options and more.

First-time home buyers

Renewing

You're a seasoned home owner, ready to renew your mortgage. Find out how this process works, what you’ll need, and when to do it.

Renewal information

Refinancing

You're a home ownership pro, and your home is a valuable asset. Use your equity to renovate, get a second mortgage for another property, or to increase your financial flexibility.

Refinancing

Specialty mortgages

Our specialty mortgages can help make home ownership more affordable, flexible and potentially profitable.

Learn more

1-yr fixed mortgage

Interest Rates

4.99

5-yr fixed mortgage

Interest Rates

3.99

5-yr variable closed mortgage

Interest Rate

4.05

*Rates subject to change.

Unlock Your Dream Home with ACU's Mobile Mortgage Specialists

Whether it's obtaining your first mortgage, refinancing, upgrading your home, or moving your mortgage over to ACU, our Mobile Mortgage Specialists are here for you. From assessing your mortgage choices to guiding you through the pre-approval process, rest assured that you're securing the ideal mortgage for your present and future needs.

How to use a mortgage calculator to budget better

Learn how to use ACU’s mortgage calculator to figure out how much mortgage you can afford, and what budget you should set before you start house hunting.

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How your credit union mortgage can benefit community initiatives

Did you know that credit unions are collectively Canada’s second-biggest mortgage lender? In 2021 alone, they held a total of $131 billion in residential mortgages across the country.