When you choose a Vancity mortgage, you’re getting more than competitive rates and personalized service. You’re investing in a better world — and it all starts at home.
Book an appointmentOur mortgage specialists take the time to understand what’s important to you, so they can look out for your best interests.
Our mortgage specialists work beyond the 9-to-5 and can meet you at your home, at your community branch, or anywhere in between.
We’ll give you the lowest rate within 90 days prior to your mortgage renewal date — guaranteed.
Vancity directs 30% of net profits to our members and programs that address environmental and social needs in our communities.
Book an appointment to kick off the process. We’ll walk you through everything you need to know.
Our experts will help you requalify for your mortgage and guide you through your mortage options.
You’ll work with your lawyer to get the legal details of the switch started.
We’ll take care of the final details to complete the mortgage switch.
These loans and mortgage options are designed to create a more equitable, livable world.
Home ownership doesn’t need to feel out of reach. With our Mixer Mortgage, you can share the costs with a partner, family members, roommate or friends.
Build an energy efficient home with a mortgage that streamlines planning, simplifies repayments and funds construction as it happens.
Support with closing costs, a home appraisal and other features make it easier to add housing to established neighbourhoods with laneway homes.
Our customized financing options respect the unique housing requirements and policies needed to make housing more accessible in First Nations communities.
If you’re tearing down a home to build a new one or undertaking a renovation, this loan can help you limit the environmental impact.
With a loan to purchase co-op shares, you can make your dream of living alongside like-minded people a reality.
Rent easy knowing you're covered if the unexpected happens. Choose from these additional forms of insurance:
100% of everyday deposits stay in the local and Canadian economy.
30% of profits go to you and fund values-based projects.
75+ years of positive action on climate and inclusion.
Interested in a new mortgage or refinancing? Browse our mortgage specialists to connect with someone in your area.
Browse our directoryFor general mortgage inquiries or help with renewing your mortgage, book a time that works for you and we’ll give you a call back.
Book a phone appointmentView legal details
¤ Only available to members with less than 20% down payment, a residential property with a purchase price under $1,000,000, the amortization is 25 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. As of August 1, 2024, qualified first-time home buyers purchasing new construction intended for homeowner occupancy, and who are required to purchase mortgage default insurance, will be able to amortize their mortgage over 30 years. CMHC 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.
◊ Some conditions apply. Available to Vancity members on new and renewing mortgages where the mortgage loan-to-value is less than 75% and the amortization is 25 years or less. Must be owner occupied. All applicants must meet the Vancity lending criteria. Rate is subject to change or may be withdrawn without notice at any time.