Kawartha primarily lends across eastern and central Ontario, including Peterborough, Kingston, Lindsay, Belleville, Cobourg, and surrounding areas.
They focus on owner-occupied residential properties, but may consider other property types on a case-by-case basis - in addition to their strong commercial side.

Unfortunately not - as it stands, their services are in English only.

Kawartha is a member-owned credit union. That means:

• You become a member, not just a customer

• Profits go back into better service and local communities

• Mortgage decisions are made by real people, not algorithms

They’re known for slower but more personal underwriting, and don’t play games with teaser rates or prepayment penalties.

Kawartha CU is a credit union - not quite a bank, or a monoline.

Yes, because Kawartha is a credit union, you’ll need to become a member and open a chequing or savings account to fund your mortgage.
This isn’t a bad thing, it’s part of the credit union experience. But if you prefer to keep all your banking elsewhere, we’ll guide you through the trade-offs.

Kawartha has flexible programs including:

• Purchase + Improvements

• Cashback options (on insured files)

• Rental property financing

• Variable and fixed terms from 1 to 5 years

They also offer secured lines of credit (HELOC-style) and may allow extended amortizations on a case-by-case basis.

Kawartha often offers competitive insured and insurable fixed-rate mortgages, especially for buyers with strong credit and a 5–20% down payment.
Their variable rates are less aggressive, and they don’t always compete with deep-discount online lenders.

Kawartha’s mortgages are only available in Ontario, and they may not fund as quickly as national banks or monolines.
Online servicing is more limited, and you may need to visit a branch or complete documents by email instead of using a digital portal.
They’re great for relationship-based borrowers, but may not suit ultra-digital clients.