New to Canada?
A fresh start for a new you!
As an ambitious new Canadian, we know the first thing you dream of is buying your first home. That’s why, we at Innovation will help you with a home loan even without a credit history.
- Save thousands on your first home
- Buy a home without a credit history
- Build your credit score for future loans
- Get great rates
- Enjoy generous paydown options
- Take advantage of this low-cost mortgage offer
Is This The Right Mortgage For You?
Getting a loan from the big banks without a credit history can be difficult & expensive.
Thankfully, you can put your financial needs in order as you settle down, with Innovation Credit Union's 'Fresh Start Mortgage'.
Our dedicated advisors will help you with a personalized low-interest rate mortgage offer. Get the right financial advice & save thousands on your first home purchase.
No Credit History? No Problem
A fresh start for a new you!
We understand that you may have no credit rating which 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.
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.
Connect with a Mortgage Specialist
for a pre-approval
Merv Mantyak
Regina and area
Call or text: 306-552-9652
Email: merv.mantyak@innovationcu.ca
Marc Perrault
Swift Current and area
Call or text: 306-774-6559
Email: marc.perrault@innovationcu.ca
Erin Chmiel
Saskatoon and area
Call or text: 306-220-5496
Email: erin.chmiel@innovationcu.ca
Have Questions? Contact Us.
If you have any questions about Innovation’s sustainable
finance offerings, we would love to help! You can talk to
our advisors at 1.866.446.7001.
Join 57000+ Canadians
who love to bank with us!
Getting approved for a Quick Loan was such a quick and easy process. It is so convenient to have, to be able to make purchases for our wedding, home, and any other unseen costs that may come up!
Natasha Wasmuth & Jonathan Toews
My washing machine broke down, and was no longer under the manufacturer’s warranty. I filed a claim using my Visa* Infinite purchase protection and extended warranty insurance. Two days later my claim was approved and I was fully reimbursed for the cost of repairs. What a great feature!
Caroline Burgoyne
More reasons to bank with us!
Bank anytime, anywhere with online banking & our app.
Responsible Banking using
profits to make your life better.
Member Rewards cash for
banking with us.
Eligibility For The Mortgage
- Proof of age - You must be 18 years of age or older
- Proof of residence - You must be a Canadian resident