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.

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

Marc Perrault

Swift Current and area
Call or text: 306-774-6559

Erin Chmiel

Erin Chmiel

Saskatoon and area
Call or text: 306-220-5496

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!

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