Buy Your First Home with a Cambrian Mortgage

Join over 80,000 home owners who chose to finance locally with Cambrian to get a low rate, flexible terms & personal advice.

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First Time Home Buyer FAQs

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Mortgage Offers

Cambrian Variable closed mortgage logo link

1.55 Percent Rate


Save money with our lowest variable rate!


Plus, you can switch to a fixed rate mortgage at any time in the future. The choice is yours.



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It only takes 15 minutes


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Logo Showing Cambrian 2 year fixed mortgage rate - 1.95%

1.95 Percent Rate


Get peace of mind with our lowest fixed rate!


Get pre-approved and we’ll hold this rate for 120 days, giving you time to find your home or transfer your mortgage.


APPLY ONLINE
It only takes 15 minutes


See full details


Cambrian Variable Open Mortgage Logo 2.45%

Image showing Cambrian's Variable Open Mortgage rate - 2.45%


The flexibility you want with a low variable rate!


Our Variable Open mortgage let’s you make changes to your mortgage anytime, without penalty.


APPLY ONLINE
It only takes 15 minutes


See full details


 

What Can I Afford?


Find out in 2 minutes & Qualify for the First Home Exclusive Mortgage offer as a first time home buyer!

Try our Home Affordability Calculator

What Can I Afford?


Find out in 2 minutes & qualify for the First Home Exclusive Mortgage Offer as a first time home buyer!

Try our Home Affordability Calculator


What you get with a Cambrian Mortgage

 

 
  • Low Mortgage Rate

    At Cambrian, we design all our mortgages specifically for our members in Winnipeg and Selkirk. Which is why we keep our mortgage rates among the lowest in the market. Our focus is on saving you time and money.

  • Rate Guarantee

    The housing market in Winnipeg and Selkirk is hot and houses can sell very quickly. That’s why we will hold our fixed mortgage rate for 120 days after you are pre-approved, so you can focus on finding your home, knowing your rate is locked in.

  • Quick Approval

    Because we are based in Winnipeg and Selkirk, our team can get your mortgage approved as quickly as you need it. And with our quick 15-minute web application, you can get started right away. 

  • Pay Off Your Mortgage Faster
    We love helping you save money. Which is why you can choose to pay up to an additional 20% of your original mortgage balance every year, without penalty. Make one lump sum payment or make additional payments throughout the year.
  • Local Expertise
    Our advisors live in and intimately know the Winnipeg and Selkirk markets. They are experts on mortgages in the community you’re looking to purchase in.
  • Advice and Care
    Our advisors love helping people just like you become homeowners. Rest assured that they will guide you each step of the way through the financing of your home.


Tips & Tricks for Buying a Home in Winnipeg and Selkirk

Should I choose a fixed or variable mortgage? 
Should I choose a fixed or variable rate mortgage?

Take a deeper look into fixed and variable rate mortgages so you can decide what works best for you.

Learn More
Image of Winnipeg Skyline 
10 Simple Steps to Buying your Home in Winnipeg

Winnipeg is a great place to live. But buying a home can be complicated. Understand the costs of buying a home, what your priorities should be when searching, and why getting a home inspection is so important.

Learn More
Image of Selkirk Bridge 
Guide to Buying a Home in Selkirk: A Step-by-Step Guide

Thinking about buying a home in Selkirk? We know buying a home can be overwhelming. Learn about getting pre-approved, why you should use a Selkirk-based realtor and what to look out for while on the hunt for your home.

Learn More
Couple standing in front of their new home 
Can you Afford to Buy a Home?

Buying your first home is a big step. Learn the costs of owning a home before you buy a house or condo.

Learn More
Couple lying on the floor of their new home 
Do you Qualify for the "First Time Home Buyers Incentive"?

The First Time Home Buyer's Incentive can help with your down payment. Learn what it is and how to qualify.

Learn More
Picture of a model home 
Can you use your RRSP as your Down Payment?

Certain home buyers can use up to $35,000 of their RRSPs towards their down payment. Find out if you qualify for the Home Buyer's Plan.

Learn More



Answers to your Mortgage Questions

 

 


Explore Winnipeg & Selkirk Neighbourhoods

For more than 60 years Cambrian Credit Union has called Winnipeg and Selkirk home. After countless conversations with members and staff about their homes, we wanted to help you choose your ideal neighbourhood by outlining what it feels like to live in the communities we serve. Looking for beautiful green space, a short commute to downtown or a specific culinary scene? Explore the tree-lined streets of the neighbourhoods where we live and work by clicking the image below.

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Fort Garry

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Kildonan

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River Heights

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Seven Oaks

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South West

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St. Boniface

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St. James

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St. Vital

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Transcona

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West End

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Selkirk

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Selkirk

 

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