Your homeownership journey starts here.
At Assiniboine Credit Union, we know every homeownership journey is different. Whether you're buying your first home, building from the ground up or renewing or refinancing, ACU offers flexible, values-based mortgage solutions tailored to your goals, with expert advice every step of the way.
Mortgage options built for you
Whether you’re a first-time home buyer, renewing or looking to refinance, ACU mortgage professionals can guide you through every step of your mortgage journey, from start to finish.
With expert advice, a flexible range of mortgage types and terms, and industry-competitive mortgage interest rates, we’ll help you build an affordable, customized mortgage solution that meets your every need.
Find your perfect mortgage
Fixed rate mortgage
Lock in peace of mind with predictable payments. A fixed rate mortgage offers stability for your budget over the life of your term.
Features
- Available in 6-month and 1- to 5-year terms, with amortization periods up to 30 years
- Guaranteed interest rate and set payments throughout your term
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Predictable monthly payments make budgeting easier
- Some prepayment allowed annually (up to 20% lump sum and/or payment increase)
Ideal for members who value stability and long-term planning
Variable rate open mortgage
Flexible and fast-moving, this mortgage lets you take advantage of changing rates, while keeping the door open to pay off your loan sooner.
Features
- Available in a 1-year term, with amortization up to 30 years
- Interest rate fluctuates with ACU’s prime rate
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Make extra payments or pay off your mortgage at any time with no penalties
A great option if you’re planning to sell or refinance in the near future
Variable rate closed mortgage
Lower initial rates with structured flexibility—this option helps you save on interest while making steady progress toward homeownership.
Features
- Available in a 5-year term, with amortization up to 30 years
- Interest rate fluctuates with ACU’s prime rate
- Some prepayment allowed annually (up to 20% lump sum and/or payment increase)
Good for members seeking lower rates but who don’t plan to pay off their mortgage early
Mortgage ready with the right tools and advice
Understanding your mortgage options is a smart first step. Find out everything you need to know about the application process, different mortgage types, terms and more on our mortgage basics page.
Check out ACU's mortgage calculator
Get a rough estimate of what you can afford based on your income, expenses, and potential mortgage payments. It’s a great first step in planning for your home purchase.
Mortgages for all
Mortgage renewal
Mortgage refinancing
Specialty mortgages
Renewing soon? We’re here to help.



I like ACU’s values
What else does getting an ACU mortgage support?
When you get a mortgage with ACU, you’re helping support better housing—you’re playing a part in addressing local housing challenges. Each year, ACU makes a donation to organizations working on affordable housing initiatives, such as Zoongizi Ode, the Astum Api Niikinaahk Tiny Home Project and Kinew Housing.
Not an ACU member? You're welcome here.
When you choose a mortgage with ACU, becoming a member means more than great rates. It means joining a financial co-operative that puts people and community first. Let’s start with your mortgage and grow from there.
Have a mortgage not currently with ACU? We cover up to $800 in transfer fees—and you get to enjoy our competitive mortgage rates and personalized service!
Why switch to ACU?
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Values-based banking – As a financial co-operative, we are committed to doing what’s right for our members and communities.
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Personalized service – We take the time to understand your goals and help you find the right mortgage solution.
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Flexible options – Competitive rates, a variety of term lengths, and payment flexibility to fit your needs.
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Local decisions, local support – Our mortgage decisions are made with a deep understanding of our members and the communities we serve.
Your questions answered
What information do I need to apply for a mortgage?
Generally, when applying for a mortgage or pre-approval in Winnipeg, your mortgage specialist will need to see proof of employment and income verification (such as pay slips or tax documents), and your basic financials (assets and liabilities). Your mortgage specialist will also ask permission to obtain your credit bureau report.
For more details, check out our checklist for required mortgage documents.
What is a mortgage pre-approval?
With mortgage pre-approval, you go through the application and approval process before you find a property you’d like to purchase. Pre-approval gives you a clear picture of the size of mortgage you qualify for and the price range of homes you should be considering. Mortgage pre-approvals are typically good for 90 days.
When can I renew my mortgage?
Your mortgage specialist will contact you at least six months before your mortgage is set to renew to start discussing current mortgage rates and renewal options. Within 90 days of your renewal date, you can lock in and hold an ACU mortgage rate—so if mortgage interest rates happen to go up, you’ll be guaranteed that number.
Have questions? We're here to help.
Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.