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.

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.

A consolidation loan can make your payments easier to manage.

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

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.

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!

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