Mortgage cashback
Get up to $4,000 in value with your mortgage.¹
Offer expires September 30, 2025.
Rewards with your new mortgage.
Receive up to $4,000 in value with any fixed-term mortgage of 3 years or more.
Cashback up to $2,000
Receive $500 to $2,000, based on the value of your mortgage, when you choose a fixed-term mortgage and meet the eligibility criteria.
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. These offers cannot be combined with other special mortgage rate offers.
Fixed-rate
Featured 5-year: 4.49%◊
Fixed-rate insured
Featured 5-year: 3.94%¤
Variable-rate
Featured 5-year: 4.55%◊
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.
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
Make your move.
View legal details
* Trademark of Visa Int. Used under license.
¹ Please read the Terms and Conditions which govern the Vancity Mortgage Cash Back Offer.
◊ 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 Rate is subject to change or may be withdrawn without notice at any time.
¤ Available to members with less than 20% down payment, a residential property with a purchase price under $1,500,000, the amortization is 30 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. Default 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.