A fresh start for a new you!

Things in life do not always go according to plan.
That’s why we go beyond other lenders to offer you a chance to get right back on
your feet and go get that dream home. 

Contact Us
Save thousands on your first home
Buy a home with lower credit score requirements
Increase your credit score for easy future loans
Get great rates
Enjoy generous paydown options
Take advantage of this low-cost mortgage offer

Is this the right mortgage for me?

Not dwelling on the past is one of the best things to do in life. Unfortunately, banks do not share the same sentiment and they continue to be a hindrance to what could be your stepping stone to living a great life. We understand. That’s why our Fresh Start Mortgage is specifically designed to suit people:

Who are self-employed

Who have just started living in Canada

Who have been rejected for a loan from a bank

The Benefits

We look beyond your credit rating

We understand that your low to no credit rating might have been beyond your control. We look beyond that to assess your eligibility so that you have a better chance at owning a home.

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New to Canada? No problem

If you’ve recently moved to Canada and want to buy a home, we’ve got you covered. We make sure there’s nothing standing in the way of you becoming a homeowner.

Working for yourself

Self-employed business owners often get overlooked and outright rejected by mainstream lenders. We recognize this type of employment just like any other. After all, it’s your source of income and we should acknowledge that.

Start Anew

Rejected from a bank for a mortgage? Come see us. We have a different definition of “creditworthy” than other mainstream lenders.

Additional Benefits

  • If you’re a first-time home buyer, we can discuss the Government of Canada’s First Time Home Buyer Incentive with you.
  • You’ll earn Member Rewards simply by having your mortgage with us. That includes quarterly cash payouts.
  • You can apply right over the phone and speak to someone who understands your situation.
  • We have affordable protection plans so you and your family are covered during a tough time.

How to apply for a mortgage

Connect with us

You can connect with our advisors at 1.866.446.7001.
We’d be happy to help!

Apply online

Apply for a mortgage online in minutes. Buy your dream home today!.

Eligibility to apply for a mortgage?

Proof of age

You must be 18 years of age or older

Proof of residence

You must be a Canadian resident

Join the 57,000+ Canadians who love banking with us

The service I received when getting my mortgage was exceptional.
I was able to complete the entire process over the phone and by email from Regina.

Regina, SK

Innovation Credit Union was great to work with when getting our mortgage. Living in rural Saskatchewan wasn’t a problem. Everything was done by phone and email!

Bayleigh Napper
Liebethal, Saskatchewan

More reasons to bank with us!


Our No-Fee Bank Account has no monthly fees and no minimum balance requirement. So you can save as much as $360/year in bank fees.


You earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit. 


Your business helps us support your community in the form of scholarships, sponsorships and grants. We allocate 2% to 4% of pre-tax profits every year to our communities.