Mortgages

New, renew, refinance or transfer? Moya Financial has you covered.

Home ownership will be the single largest purchase that anyone will make and most people will need to get a mortgage. So, it’s wise to shop carefully. When it comes to arranging the best possible mortgage package, you can count on Moya Financial. Each mortgage is custom-tailored to meet your specific situation and needs and offers flexible terms, rates, and repayment schedules. We also support the purchase of second homes and vacation homes.

RESIDENTIAL MORTGAGE

A personal line of credit is an unsecured revolving account with a variable interest rate, allowing you to borrow money as you need it. It’s more economical than a credit card cash advance, and more flexible than a personal loan.

FEATURES¹
  • Financing is available for up to 95% of a primary residence’s purchase price/appraised value at competitive rates.
  • Flexible (weekly, bi-weekly or monthly) payment schedules offered on terms up to five years.
  • Open or closed, fixed or variable rate mortgages available.
  • Statements delivered annually.²

SHARIAH COMPLIANT MORTGAGE

Moya Financial in partnership with AYA Financial offers Shariah Compliant Mortgages. The product is designed to help Muslims purchase property without the need for a traditional interest-bearing loan. The Mortgage is based on the “declining balance” concept of financing in compliance with Islamic Law (Shariah). We’ve partnered with AYA Financial on our Moya Home Financing Program.

FEATURES¹
  • Financing is available for up to 95% of a primary residence’s purchase price/appraised value.
  • Flexible (weekly, bi-weekly or monthly) payment schedules offered on terms up to five years.
  • Open or closed, fixed rate mortgages available.
  • Statements delivered annually.²
AYA Financial Inc. (AF) has been established to provide alternative financial services and solutions to the Canadian public based on socially responsible concepts of justice and equity to all stakeholders.
¹May be subject to additional terms and conditions. We reserve the right to amend our product offerings at any time.
²Moya in a effort to be environmentally friendly is offering its Annual Mortgage Statements on request via email or regular mail. Please contact our offices to make your request or for further information.
Pre-Approved Mortgages

Take the worry out of your home shopping experience by getting a mortgage pre-approval from Moya Financial. During this process, we calculate how much you can afford to borrow based on the information that you provide, lock in your rate for 30 days, and estimate your mortgage payments for you. The pre-approval amount will be the maximum amount of mortgage financing that you may get. The amount you can actually receive will depend on the amount of your down payment and the home’s appraised value. Once you’re pre-approved and know your home shopping price range, it should be simple to find and secure the right home. Following an accepted offer, a satisfactory property appraisal is all that is needed to complete the transaction.

We began 60 years ago helping our community start their new life.

​Important traditions carry on. Moya Financial puts your first home within reach again. Home ownership will be the single largest purchase that most people will make. So, it’s wise to think carefully and consider all your options. When it comes to arranging the best possible mortgage package, you can count on Moya Financial. Each mortgage is custom-tailored to meet your specific situation and needs and offers flexible terms, rates, and repayment schedules.

FIRST TIME HOME BUYER?

​Let us help you find a customized solution to best serve your needs. We make all decisions in-house, which means a personalized process for every member.

ALREADY HAVE A MORTGAGE?

Bring your mortgage to Moya Financial and get up to $1,500 towards the cost of transferring your mortgage. When you switch your mortgage to Moya, we take care of the details for you.

HERE TO HELP

​What to Know If You’re a First-time Homebuyer

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Better understand home mortgages and what makes Moya Financial different.

To get a first hand explanation of how Moya approaches lending overall and first time home mortgages specifically, we sat down with Paula-Jean Lyn, Director of Credit with Moya Financial.

With three decades of experience helping people realize their dreams and move into their first home, Paula-Jean talks about what makes our approach different, and provides great tips for first time home buyers.

Please call our Lending Services and speak to a Credit Specialist if you’d like more information.

Finding the right home takes time and effort. Finding the right mortgage doesn't.

Call: 416-252-6527

Email: [email protected]

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