Our ambition is to make Vancity net-zero by 2040 across all our mortgages. It's another way you can invest what matters most.
LIMITED TIME RATES
Rates as low as 4.29%* when you pre-qualify or apply for a new insured mortgage today. Terms of 3 to 5 years available. Terms & conditions apply.
We strive to provide mortgage options that make home ownership more affordable, accessible and sustainable.
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.
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:
The affordability equation
5 min read
Rest easy knowing you're covered if the unexpected happens. Choose from these additional forms of insurance + :
Interested in a new mortgage or refinancing? Browse our mortgage specialists to connect with someone in your area.
For general mortgage inquiries or help with renewing your mortgage, book a time that works for you and we’ll give you a call back.
View legal details
+ 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.
◊ 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.
§ Some conditions apply. Available to Vancity members on new and renewing mortgages where the amortization is 25 years or less, and residential property with a purchase price under $1,000,000. 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.
* See full terms & conditions for in-branch promotional rate.
† 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 Homeprime Fixed Term Mortgage interest rate is compounded monthly, not in advance. Vancity's Homeprime mortgage offers you a variable interest rate based on Vancity's Homeprime rate over a 5-year fixed term. Rate changes when Vancity Homeprime changes. Rates subject to change without notice. Refer to the Vancity Homeprime Rate section for more information.
¤ 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.
