Mortgages
Make milestones happen.
Mortgages and home financing solutions to help you build your goals from the ground up.
Rates as low as 4.04%¤ when you pre-qualify or apply for a new high-ratio insured mortgage today. Terms of 3 to 5 years available. Terms & conditions apply.
What would you like to do?
Buy your first home
Buy your next home
Renovate your home
Build your home
Renew your mortgage
Switch to Vancity
Featured mortgage rates.
Our top picks and special offers.
4.14%¤
3-year fixed-term fixed-rate insured
Book an appointment for a high-ratio insured mortgage. Terms and conditions apply.
4.24%**
Special offer
3-year fixed-term fixed-rate (special offer)
Special offer rate when you book an appointment for a fixed-term, fixed-rate mortgage. Terms and conditions apply.
4.24%¤
5-year fixed-term fixed-rate insured
Book an appointment for a high-ratio insured mortgage. Terms and conditions apply.
4.79%◊
1-year fixed-term fixed-rate
Great if you want to lock in a short-term mortgage and consider future refinancing options.
4.19%◊
2-year fixed-term residential
Great if you want to lock in a short-term mortgage. Terms and conditions apply.
4.39%◊,α
4-year fixed-term fixed-rate
Great if you want to count on making the same payment for your entire term.
4.44%◊
5-year fixed-term fixed-rate
Great if you want to count on making the same payment for your entire term.
3.95%◊
5-year fixed-term variable rate
Great if you want a variable rate with the security of predictable payments.
Specialty mortgages.
Innovative financing solutions designed to make home ownership more affordable, accessible, and sustainable.
Mixer Mortgage™
Construction mortgage
Multiplex construction mortage
Laneway house mortage
First Nation land home loan
Planet-Wise™ teardown financing
Co-op home loan
Vancity FlexPath™ Mortgage
Your home equity gives you freedom.
With a home equity line of credit (HELOC), you can borrow up to 65% of your home’s value at lower interest rates than a personal loan. Borrow only what you need and use it to pay for the things that matter most to you, like:
- Small renovations
- Investments or mortgage pay-offs
- Anything, really
Tools to help you get on track.
Protection you can count on.
Rest easy knowing you’re covered if the unexpected happens. Choose from these additional forms of coverage with mortgage insurance:+
- Life coverage
- Involuntary loss of employment coverage
- Disability coverage
- Critical illness coverage
Title insurance can be used to protect you from losses related to title or legal ownership of property.
Find a specialist near you.
For new mortgages or refinancing, browse our mortgage specialists to connect with someone in your area.
Talk through your questions.
For general mortgage inquiries or renewals, book a time that works for you and we’ll give you a call back.
Creditor’s group insurance is optional and is underwritten by Co-operators Life insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS services Incorporated, a subsidiary of Co-operators Life insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full Coverage details.
The annual percentage rate (APR), compounded semi-annually, not in advance. The APR is for a mortgage of $100,000 with monthly payments and a 25 year amortization. APR assumes no fees apply. You may be required to pay additional fees which would increase your APR. 5-Year Variable Rate Fixed Term Mortgage interest rate is compounded monthly, not in advance. Vancity’s Variable Rate mortgage offers you a variable interest rate based on Vancity’s Variable Rate over a 5-year fixed term. Rate changes when Vancity Variable Rate changes. Rates subject to change without notice. Refer to the Vancity Variable Rate section for more information.
Available to members with less than 20% down payment, a residential property with a purchase price under $1,500,000, the amortization is 30 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. Default insurance is subject to eligibility conditions, limitations and exclusions. All applicants must meet the Vancity lending criteria. The annual percentage rate (APR), compounded semi-annually, not in advance. The APR is for a mortgage of $100,000 with monthly payments and a 25 year amortization. APR assumes no fees apply. You may be required to pay additional fees which would increase your APR. Rate is subject to change or may be withdrawn without notice at any time. This rate cannot be combined with the mortgage cash back offer.
Some conditions apply. This advertised rate is only available to members with 20% or greater down payment on the property, purchasing a residential owner-occupied property with purchase price under $1,000,000, and mortgage amortization of 25 years or less. All applicants must meet the Vancity lending criteria. The annual percentage rate (APR), compounded semi-annually, not in advance. The APR is for a mortgage of $100,000 with monthly payments and a 25 year amortization. APR assumes no fees apply. You may be required to pay additional fees which would increase your APR. Rate is subject to change or may be withdrawn without notice at any time.