Flex Mortgage

Put the equity in your home to work for you with a Flex Mortgage. It allows you access to revolving credit - meaning you won't have to apply again in the future.


  • Access up to 75% of the value of your home to use as you see fit.
  • Funds are accessible for as long as you own the home.
  • No need to re-apply or re-qualify for future borrowing as this is revolving credit, saving your mortgage registration or refinance fees over time.
  • Split your total mortgage into sub loans for your various borrowing needs.*
  • Each sub loan can be set with different rates and payment terms allowing you to track certain borrowings separately from others.
  • Competitive interest rates.
  • Repayment plans to suit your needs.**
  • Eligible properties are primary residences.
  • Available for conventional mortgages only.


  • *Maximum of three sub loans at one time
  • **Payments can be made weekly, biweekly, semimonthly or monthly
  • Must meet certain approval conditions
  • Cost of credit and any fees associated with the loan will be disclosed at time of approval
  • Payments will vary depending on how each sub loan is set up
  • Sub loans may be open or closed with a fixed or variable interest rate
  • TCU chequing account is required
  • Minimum amount for the main line of credit is $5,000
  • Maximum revolving portion cannot exceed 65% of the value of your home

Get Started Today!


Find Branch/ATM

Enter address, postal code or branch name