A purchase plus improvements mortgage allows you to add renovation costs to your mortgage.

When you’re looking for a new house, it can be hard to find a place that has exactly what you want. Sometimes a house may need some renovations, like a bathroom or kitchen update, adding a fence or fixing a deck, to make it the home you want. The good news is, the cost of renovating your new home can be rolled into your mortgage. We call this a purchase plus improvement mortgage.

Learn about mortgage options for a new build.

One of the first decisions you’ll face if you are building a new home is whether to buy land to build on right away or buy land to build on in the future.

Learn about the benefits of refinancing your mortgage with Access.

Refinancing your mortgage is essentially updating the terms of your mortgage loan agreement. This can happen in the middle of your mortgage term or when your mortgage is up for renewal, by simply blending your existing fixed rate and term with current rate offerings.

Did you know that more than 50% of Manitobans don't use a budget system to track spending?

Buying a house for the first time may seem like a difficult and daunting task, but with the right knowledge, the process can be a breeze. Here are some tips to consider when starting the home buying process.

Follow these tips to help determine when it’s the right time to downsize.

A mortgage pre-approval is the first step you should take before shopping for your new home.

Whether you’re buying your first home or your fifth, an important first step is getting a mortgage pre-approval. A pre-approval is a commitment from your financial institution to lend you a certain amount for your mortgage at a particular interest rate.

Whether you are buying a new or used vehicle, a loan offers flexible payment options and your choice of a variable or fixed interest rate.

If you’re looking to purchase a new or used vehicle, a personal loan from Access Credit Union is a fast and flexible borrowing option. Personal loans are one of the most commonly used borrowing options for members who have a specific amount in mind for a specific need, as they’re a one-time use solution with set payments. A personal loan can help finance any type of vehicle, whether it is a car, boat or ATV. If you can drive it, we can finance it.

Now is the time to make sure you have everything you need to easily transition into retirement.

A consolidation loan can make your payments easier to manage.

It’s a new year, which means it’s time to set your New Year’s resolutions!

Staying organized is easier said than done, especially when it comes to financial documents.

Creating an emergency fund may sound difficult, but worth it when an emergency arises.

You don't have to deal with debt on your own

Life can get busy, especially during the holiday season. When we take on more responsibility, we feel like we are stretched past our limits. So how do we budget for more free time?

When shopping during the holidays seems more like ho ho, oh no and less like rockin’ around the Christmas tree, it’s hard to stay cheery and bright during the ‘most wonderful time of the year’.

We've got all the tips and tricks to help you become a budgeting expert.

The best way to avoid getting into trouble with debt is borrowing money wisely from the get-go.

It is important to understand the formula to borrowing money. Did you know there is a formula to comfortable debt? It's important to understand that formula before you borrow money.

Financial institutions will often approve borrowing at 42% total debt servicing. Total debt servicing is calculated as a percentage of your pre-tax income versus your monthly debt obligations.

Yes, you can have a credit-free holiday season!

When you're busy, it's easy to lose sight of where you could be over-spending. Here are some ways you could find extra money in your day-to-day budget.

We've gathered our favourite, not-so-common, common sense financial tips.

The best time to start setting financial goals is NOW.

The TFSA is an extremely helpful savings product, but one that comes with many questions. As a financial institution, giving you insider information on TFSAs is super important to us. Find the details below!

The purpose of an RRSP is to ultimately help you save for retirement. Of course, if you’re retiring tomorrow and haven’t contributed a penny, it might be a little too late to start.

What is phishing?  

The true definition of phishing is the fraudulent practice of sending emails claiming to be from reputable companies (such as credit unions) in order to persuade individuals to reveal personal information, such as online banking passwords and credit card numbers.

Although phishing can be a frightening topic, if you’re well-informed, it’s something you don’t have to worry about. So, without any further delay, here are our facts (and tips) regarding phishing:

It’s never too soon to build financial literacy skills.

Teaching teens how to budget effectively can help them build positive financial habits and skills that last a lifetime. Teens can earn money in many ways; whether doing chores around the house or getting a part-time job. Some of today's teens are even earning income from online businesses! Once the money starts rolling in, learning how to budget is crucial.

Sending (or, even better, receiving!) money is a breeze with Interac e-Transfers®. Although there is lots of stuff that goes on behind the scenes, we are certain there’s a number of factors come into play to protect your money.

What is Cybersecurity?

Cybersecurity is the protection against internet-connected cyber threats. These cyber attackers can interfere with systems like software, hardware, and data Both individuals and companies should practice cybersecurity to ensure protection from external and unauthorized parties retrieving insider data.

4 Things you need to know about
Student Lines of Credit

Being a student is tough, but there are a few things that you can do to make your life a little bit easier. With Access Credit Union’s student line of credit, you’ll be able to easily pay for things like tuition, books, and residence, leaving you to worry about the important stuff…like homework!

Successful Saving Starts Here

Grow your savings potential by considering these important factors.

You’ve seen the commercials, you’ve clicked on the Facebook ads, you’ve done a Google search here and there. You’ve even talked to your second cousin, Jim, who claims to be an ‘expert’, and yet, still, you don’t know how to start investing. And that’s okay.  

Financial worry can affect your overall health. Here's what you can do about it.

Avoid getting into a sticky situation with interest rates.

Learn how each type will affect your overall costs.

Renovating, remodeling, or starting from the ground up? We’ll help you get the job done.

Learn how much home you can realistically afford by considering these key factors. 

Buying a home is a huge investment. These factors can help find you the perfect home.

Follow five straightforward steps to determine your monthly mortgage payment options.

An RESP beneficiary is eligible to receive up to $7,200 in government grants, and more.

When it comes to saving for a post-secondary education, it’s hard to go wrong with an RESP.

A Registered Education Savings Plan (RESP) is a dedicated savings plan to help save for education after high school.

The overpayment scam has become popular over the past several years.

Don’t let yourself, or someone your love, fall victim to a Romance Scam.

Learn to identify "phishing" emails that ask for personal information.

Find out how to protect yourself from spoofing websites.

Keep an eye out for the latest cheque scam taking advantage of unsuspecting consumers.

In today’s digital landscape, fraud is a real threat.

Identify the warning signs of fraud before it’s too late

Don't fall for phone, email, website, or login scams.

Use these trusted online resources to help protect yourself online.