--- title: Access Credit Union Blog | Lending description: Lending | Empower yourself with the knowledge you need to control your finances. Access Credit Union is where you need us to be, with sound advice on any device. --- #003B49 [![AccessCU\_Horizontal\_Colour\_pws-1](https://blog.accesscu.ca/hs-fs/hubfs/AccessCU_Horizontal_Colour_pws-1.png?width=199&height=50&name=AccessCU_Horizontal_Colour_pws-1.png "AccessCU_Horizontal_Colour_pws-1")](https://www.accesscu.ca/) Open main menu Close main menu Select Category Budgeting Education Savings Finances Financial Literacy Fraud Investing Lending Mortgage Retirement Savings Saving Security Spending TFSA Tips & Advice Posts about: ## Lending ![](https://blog.accesscu.ca/hubfs/Loan%20or%20line%20of%20credit.jpg) [Tips & Advice,](https://blog.accesscu.ca/tag/tips-advice) [Financial Literacy,](https://blog.accesscu.ca/tag/financial-literacy) [Lending](https://blog.accesscu.ca/tag/lending) ### [Loan or Line of Credit? Which is Right for You?](https://blog.accesscu.ca/loan-or-line-of-credit-which-is-right-for-you) Do you have debt you are looking to consolidate? Perhaps there is a larger purchase you would like to make? Regardless of why you might be interested in exploring some of your available credit options, it’s important to know which vehicle is best for you. Some of the more typical avenues you might explore include personal loans or lines of credit. [Read More](https://blog.accesscu.ca/loan-or-line-of-credit-which-is-right-for-you) ![](https://blog.accesscu.ca/hubfs/Buying%20your%20first%20home.jpg) [Mortgage,](https://blog.accesscu.ca/tag/mortgage) [Lending](https://blog.accesscu.ca/tag/lending) ### [Where to Get Started When Buying Your First Home](https://blog.accesscu.ca/where-to-get-started-when-buying-your-first-home) You’re thinking about buying your first home, but where do you start? Follow these steps if you are starting the process of buying your first home. [Read More](https://blog.accesscu.ca/where-to-get-started-when-buying-your-first-home) ![](https://blog.accesscu.ca/hubfs/Pre-approval.jpg) [Mortgage,](https://blog.accesscu.ca/tag/mortgage) [Lending](https://blog.accesscu.ca/tag/lending) ### [What You Need to Have Ready for a Mortgage Pre-Approval](https://blog.accesscu.ca/what-you-need-to-have-ready-for-a-mortgage-pre-approval) ### When you get a [mortgage with Access](https://www.accesscu.ca/en/personal/borrowing/mortgages), we want to make sure you get the right mortgage solution for you. Here is a list of documents you should have ready for your mortgage pre-approval. [Read More](https://blog.accesscu.ca/what-you-need-to-have-ready-for-a-mortgage-pre-approval) ![](https://blog.accesscu.ca/hubfs/iStock-1356074032.jpg) [Tips & Advice,](https://blog.accesscu.ca/tag/tips-advice) [Lending](https://blog.accesscu.ca/tag/lending) ### [Should I Buy a New Home or Fixer-Upper?](https://blog.accesscu.ca/should-i-buy-a-new-home-or-fixer-upper) Buying a new home or fixer-upper is always a topic of debate for anyone who’s in the market for a home. There are many pros and cons to each that every prospective buyer must take into consideration. Check out these tips we’ve compiled so you can spend less time debating and more time purchasing the home of your dreams.   [Read More](https://blog.accesscu.ca/should-i-buy-a-new-home-or-fixer-upper) ![](https://blog.accesscu.ca/hubfs/How-to-get-a-loan-remotely-1.jpg) [Lending](https://blog.accesscu.ca/tag/lending) ### [How to Get a Loan Remotely](https://blog.accesscu.ca/how-to-get-a-loan-remotely) [Personal loans](https://www.accesscu.ca/en/personal/borrowing/loans-lines-of-credit) are one of the most commonly used borrowing options for members who have a specific amount or need in mind. Follow these five easy steps to get approved for a loan from the comfort of your home. [Read More](https://blog.accesscu.ca/how-to-get-a-loan-remotely) ![](https://blog.accesscu.ca/hubfs/iStock-1179026152.jpg) [Mortgage,](https://blog.accesscu.ca/tag/mortgage) [Lending](https://blog.accesscu.ca/tag/lending) ### [How to Include Renovation Costs When Buying a New Home](https://blog.accesscu.ca/how-to-include-renovation-costs-when-buying-a-new-home) 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 to make it the home you want. However, did you know that renovation costs can be rolled into your [mortgage](https://www.accesscu.ca/en/personal/borrowing/mortgages) with a purchase plus improvement mortgage? [Read More](https://blog.accesscu.ca/how-to-include-renovation-costs-when-buying-a-new-home) ![](https://blog.accesscu.ca/hubfs/iStock-1373167241.jpg) [Mortgage,](https://blog.accesscu.ca/tag/mortgage) [Lending](https://blog.accesscu.ca/tag/lending) ### [Building a New Home](https://blog.accesscu.ca/building-a-new-home) 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. Read about the mortgage options for a new build. [Read More](https://blog.accesscu.ca/building-a-new-home) ![](https://blog.accesscu.ca/hubfs/iStock-1187551648.jpg) [Mortgage,](https://blog.accesscu.ca/tag/mortgage) [Lending](https://blog.accesscu.ca/tag/lending) ### [Is Now a Good Time to Refinance Your Mortgage?](https://blog.accesscu.ca/is-now-a-good-time-to-refinance-your-mortgage) ### You've heard of mortgage refinancing, but should you do it, and when is the right time? Learn about the benefits of refinancing your mortgage with Access. [Read More](https://blog.accesscu.ca/is-now-a-good-time-to-refinance-your-mortgage) ![](https://blog.accesscu.ca/hubfs/iStock-1342227172.jpg) [Tips & Advice,](https://blog.accesscu.ca/tag/tips-advice) [Lending](https://blog.accesscu.ca/tag/lending) ### [What You Need to Know About Vehicle Loan Rates](https://blog.accesscu.ca/what-you-need-to-know-about-vehicle-loan-rates) # 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. [Read More](https://blog.accesscu.ca/what-you-need-to-know-about-vehicle-loan-rates) ![](https://blog.accesscu.ca/hubfs/iStock-514381586.jpg) [Saving,](https://blog.accesscu.ca/tag/saving) [Tips & Advice,](https://blog.accesscu.ca/tag/tips-advice) [Lending](https://blog.accesscu.ca/tag/lending) ### [Consolidating Your Loans](https://blog.accesscu.ca/consolidating-your-loans) ### A consolidation [loan](https://www.accesscu.ca/en/personal/borrowing/loans-lines-of-credit#loans) can make your payments easier to manage. [Read More](https://blog.accesscu.ca/consolidating-your-loans) [1](https://blog.accesscu.ca/tag/lending) [2](https://blog.accesscu.ca/tag/lending/page/2) #### Connect with Access Credit Union Follow Access Credit Union on social media for financial advice and news from our member community.  [![facebookwhite\_64x64](https://blog.accesscu.ca/hs-fs/hubfs/facebookwhite_64x64.png?width=45&height=45&name=facebookwhite_64x64.png)](https://www.facebook.com/AccessCreditUnion) [![linkedin](https://blog.accesscu.ca/hs-fs/hubfs/linkedin-6-64.png?width=45&name=linkedin-6-64.png)](https://www.linkedin.com/company/access-credit-union)[![instagramwhite\_64x64](https://blog.accesscu.ca/hs-fs/hubfs/instagramwhite_64x64.png?width=45&height=45&name=instagramwhite_64x64.png)](https://www.instagram.com/accesscreditunion/)