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Switching your mortgage

Where your mortgage makes a difference.

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 appointment

Reasons to switch your mortgage to Vancity.

Advice you can trust

Our mortgage specialists take the time to understand what’s important to you, so they can look out for your best interests.

Support when you need it

Our mortgage specialists work beyond the 9-to-5 and can meet you at your home, at your community branch, or anywhere in between.

Competitive and guaranteed rates

We’ll give you the lowest rate within 90 days prior to your mortgage renewal date — guaranteed.

Shared success

Vancity directs 30% of net profits to our members and programs that address environmental and social needs in our communities.

Switching to Vancity is as simple as 1, 2, 3, 4.

1

Give us a call.

Book an appointment to kick off the process. We’ll walk you through everything you need to know.

2

Choose your mortgage.

Our experts will help you requalify for your mortgage and guide you through your mortage options.

3

Connect with your lawyer.

You’ll work with your lawyer to get the legal details of the switch started.

4

Sit back and relax.

We’ll take care of the final details to complete the mortgage switch.

Book an appointment Find a mortgage specialist

Rates worth switching for.

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

5.49%◊

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

5.59%◊

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

4.94%¤

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

6.95%◊

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

Home financing to build the world we want.

These loans and mortgage options are designed to create a more equitable, livable world.

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

On-reserve home loan

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

Explore on-reserve 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

Protection you can count on.

Rent 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

Where you bank can change everything.

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.

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

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

View 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. 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.

Contact us Book an appointment

Vancity is proud to operate on the traditional territories of the Coast Salish and Kwakwaka’wakw peoples, and we are committed to Reconciliation as a core value.

© Vancouver City Savings Credit Union