Mortgage cashback

Get up to $4,000 in value with your mortgage.¹

Offer expires May 31, 2025.

Rewards with your new mortgage.

Receive up to $4,000 in value with any fixed-term mortgage of 3 years or more when you meet the qualifications. This offer cannot be combined with special mortgage rate offers.

Cashback up to $2,000

Depending on the value of your mortgage, receive from $500 to $2,000 when you choose a fixed-term mortgage and meet the eligibility criteria.

Learn how to qualify

Bonus for first-time home buyers

To celebrate first-time home buyers on their big milestone, we’ll add an additional $500.

Bonus for low emission homes

If your home is heated by electricity or geothermal power, we’ll give you 150,000 Vancity enviro™ Visa* Reward points valued at $1,500 as a bonus.

Eligible fixed-term mortgages.

You can select a fixed or variable rate (Homeprime) mortgage, or even make it an insured mortgage.

How to qualify for your cashback.

You may qualify for our cashback offer by meeting the following criteria:

  • Choose Vancity for your new mortgage, or move your existing mortgage.
  • Open or have a Vancity Essential Chequing, Essential Plus or Total Chequing account
  • Set up pre-authorized mortgage payments to come from one of these accounts
  • Set-up an automated, recurring direct payroll deposit or eligible government credit to the account
  • If you have an existing Chequing Plus or Access Chequing account you may use that account for this promotion.

Receive even more rewards when you meet the requirements for first-time homebuyer and low emissions homes.

Download full terms & conditions

Apply for a new mortgage Move your mortgage

Cashback tiers.

Mortgage value

Cashback

Eligible mortgages only¹

$100,000 to $449,999

$500

$450,000 to $749,999

$1,000

Greater than or equal to $750,000

$2,000

Cashback add-ons

For first-time home buyers

Additional $500

For low emission homes — meaning they are heated by electricity or geothermal

Additional $1,500 in Vancity enviro Visa Reward Points