High-Ratio Mortgages

If your down payment is less than 20%, it's still possible to buy your own home or cottage.

  • Maximum 30-year amortization allowed
  • Assistance in arranging required mortgage default insurance, provided by Genworth Financial or Canada Housing and Mortgage Corporation (CMHC)
  • Minimum 5% down payment required

Check current rates


Online loan application is currently unavailable. Please contact us (416-486-1533 / mail@finnishcu.com) to get an application form.

Need help with your down payment? Ask us how you can use a gift letter from your parents to help with your downpayment.

You can transfer your high-ratio mortgage to Osuuspankki with ease. Contact us for more details.