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Planet-Wise™ Home Renovation.

When it comes to updates that improve the comfort, efficiency, and affordability
of your home, we’ve got you covered.

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MORTGAGES


YOU’RE MORE POWERFUL THAN YOU KNOW.

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 RATE

Rates as low as 4.64%* when you pre-qualify or apply for an insured mortgage
in-person today. Terms & conditions apply.

Get this rate



MAKE YOUR NEXT MOVE.

Buy your first home
Buy your next home
Renovate your home
Build your home
Renew your mortgage
Switch to Vancity



FIND THE BEST MORTGAGE FOR YOU.


4.64%¤

5-year fixed-term fixed-rate insured
Limited time rate when you book an in-branch appointment for an insured
mortgage. Terms and conditions apply.
Explore this mortgage


4.84%¤

5-year fixed-term fixed-rate insured
Great if you have less than the 20% down payment needed for a conventional
mortgage.
Explore this mortgage


6.79%◊

1-year fixed-term fixed-rate
Great if you want to lock in a short-term mortgage and consider future
refinancing options.
Explore this mortgage


5.29%◊

4-year fixed-term fixed-rate
Great if you want to count on making the same payment for your entire term.
Explore this mortgage


5.34%◊

5-year fixed-term fixed-rate
Great if you want to count on making the same payment for your entire term.
Explore this mortgage


6.70%◊

5-year fixed-term Homeprime (variable rate)
Great if you want a variable rate with the security of predictable payments.
Explore this mortgage


5.04%§

5-year closed-term fixed-rate
Best for buyers looking for a home under $1 million to use as their primary
residence.
Explore this mortgage
View all rates Learn how mortgages work



MORTGAGES TO BUILD THE WORLD WE WANT.

We strive to provide mortgage options that make home ownership more affordable,
accessible and sustainable.


MIXER MORTGAGE™

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.

Explore Mixer Mortgage


CONSTRUCTION MORTGAGE

Build an energy efficient home with a mortgage that streamlines planning,
simplifies repayments and funds construction as it happens.

Explore construction mortgage


LANEWAY HOUSE MORTGAGE

Support with closing costs, a home appraisal and other features make it easier
to add housing to established neighbourhoods with laneway homes.

Explore laneway mortgage


FIRST NATION LAND HOME LOAN

Our customized financing options respect the unique housing requirements and
policies needed to make housing more accessible in First Nations communities.

Explore First Nation land home loan


PLANET-WISE™ TEARDOWN FINANCING

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.

Explore Planet-Wise teardown financing


CO-OP HOME LOAN

With a loan to purchase co-op shares, you can make your dream of living
alongside like-minded people a reality.

Explore co-op home loan


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

Explore HELOC



TOOLS TO HELP YOU GET ON TRACK.

I want to


ESTIMATE MORTGAGE PAYMENTS.

Mortgage calculator

I want to


BUDGET FOR A MORTGAGE.

Budget calculator

I want to


BREAK DOWN THE COSTS OF BUYING A HOME.

The affordability equation

5 min read


YOUR MORTGAGE APPLICATION CHECKLIST.

How to apply




PROTECTION YOU CAN COUNT ON.

Rest easy knowing you're covered if the unexpected happens. Choose from these
additional forms of insurance+:

 * Life coverage
 * Involuntary loss of employment coverage
 * Disability coverage
 * Critical illness coverage

View all coverage options


TAKE THE NEXT STEP.


FIND A SPECIALIST NEAR YOU

Interested in a new mortgage or refinancing? Browse our mortgage specialists to
connect with someone in your area.

Browse our directory


TALK THROUGH YOUR QUESTIONS

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.

Book a phone appointment

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. 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.

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