Home Ownership

Whether you’re looking for your first home, renovating your forever home, or somewhere in between, we’ve got you covered.

Buying a Home, Moving and Renovating

Home ownership, renovating, and moving can seem overwhelming. We’re here to make it simple. Learn about mortgage payment options, mortgage types, financing renovations, and more with Libro’s tools, articles, and tips.

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Get settled in with a
high ratio mortgage

We can help get you into a house, make it a home, and stay with you as you grow into it and change. Libro is your expert caring Credit Union, here as your lender, neighbour, advisor and community partner.

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Benefits of a First Home Savings Account

  • Contributions to an FHSA are deductible from income, like an RRSP.
  • Withdrawals, as well as income and gains are tax-free, like a TFSA, if they are used towards the purchase of a qualifying home. Read more on qualifying withdrawals.
  • Any amounts in the FHSA that are not used to purchase a qualifying home can be transferred to your RRSP or RRIF on a tax-free basis. Otherwise, the amounts can be withdrawn on a taxable basis.

Helpful Tools & Resources

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Mortgage Calculator

Get a snapshot of what you can comfortably afford to borrow and test out different scenarios including rates and payments.

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Surprise Costs

Many costs can take unprepared home buyers by surprise. Use this resource as your guide to stay prepared.

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Mortgage Rates

Check out Libro’s competitive mortgage rates. We offer a variety of options that are flexible to suit your needs.

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Profit Sharing

Having a Libro mortgage means you’re a Libro Owner! Learn about the opportunities you have by being part of a credit union.

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Home Inspection Checklist

Use this comprehensive checklist to understand what things you should look for when purchasing your new property.

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Mortgage Payments

Explore mortgage payment and frequency options at Libro to find the one that will support your home ownership goals.

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Ready to get started with a Libro mortgage?

Whatever your home-buying needs are, Libro Coaches are here to support you with your financial decisions. We’re available online, by phone or in branch.

  • Down payments
  • Reducing mortgage costs
  • Refinancing
  • Navigating first-time home buying
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Find a location near you

*On Approved Credit (OAC), rates are product-specific and may change without notice. The stated rate of 5.09% per annum applies to a closed, fixed, five-year term high-ratio mortgage, offered to Libro Owners with a down payment of less than 20%, provided they are eligible and opt to purchase mortgage default insurance, while meeting other conditions. Visit and for details.