Other Resources FAQ Section Visit our FAQ section for more mortgage information. Rates If you are looking for mortgage rates, click here Financial Planning Tool You can also click here to access our on-line financial planning tool.  Financial Fitness Advice from OMISTA Experts Mortgage Basics Make the Right Moves When it Comes to Your Mortgage Cottage Dreams or Financial Nightmares? Mortgage Products Variable Mortgage Closed Mortgage Blanket Mortgage Zero Down Payment 40 Year Amortization Other Loan Products Personal Line of Credit Personal Loans Demand Loans Auto Loans Student Loans Commercial Loans Home Mortgage Commercial Mortgage MasterCard® GLOBAL PAYMENT™ Cards MasterCard® Credit Cards Need more answers? Visit our contact page and submit your question through the "Who can help me?" link or call one of our financial experts at any of our three branches.

If you:

• buy an energy-efficient home;
• purchase a house and make energy saving renovations; or, 
• renovate your existing home to make it more energy efficient,

you could have the flexibility of extending your amortization (the time required to repay your mortgage) from 25 years to a maximum of 35 years. This means your mortgage payments can be more affordable at an earlier stage in your life when your income may not be at its peak. You may also qualify for a 10% insurance premium refund from Canada Mortgage and Housing Corporation (CMHC).  In addition, homeowners may also be eligible for a federal grant through Natural Resources Canada (NRCan).

This program is made available in part through CMHC. For more details on how you can qualify for the Energy-Efficient Mortgage, speak to one of our Financial Service Representatives or visit http://www.cmhc.ca/en/co/moloin/

Buying your first home? When you are approved for an OMISTA mortgage on your first home you'll receive an OMISTA Home Book - a guide to all things home. Only available while quantities last! What are some other costs you can expect when purchasing a new home?

Apply Online
If you are interested in applying for a home equity loan, personal loan, demand loan, vehicle loan, RRSP loan, mortgage, blanket mortgage, line of credit or even a student line of credit with OMISTA, please complete the following application form by clicking on the link below. An OMISTA Expert will contact you within 1-2 business days to review your application and process your request. Click here to apply.


Wise Financial Guidance To Empower you

That's our difference. Every OMISTA Credit Union product, from mortgages to chequing accounts, comes with wise financial guidance. OMISTA's Financial Service Experts provide solutions to empower you to make the best decisions for your financial future. Everyone gets an expert (Not just the rich and famous).

We’d love to hear from you, so feel free to pick up the phone or head to the branch to speak with an expert today.