Buying a Home
We’ll help you on your journey to a home of your own.
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.
Why choose a Kindred mortgage? We make home buying easy with personalized service and 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!
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.
We have a number of different mortgage options to suit your needs. Get familiar with your home buying options by reviewing the information below.
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!