Finding the right mortgage

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Limited time offers

2.79% with a 5-year closed term fixed rate mortgage1

If you want a simple mortgage with predictable payments and a low rate that’s guaranteed for 5 years, consider the Closed Term Fixed Rate mortgage.

You can borrow to purchase a home priced less than $1 million as long as you plan to live in it yourself.

2.79% 5-year fixed rate insured mortgage1

You can choose a 2.79% rate with a 5 year fixed rate insured mortgage1

2.99% with a 7-year fixed rate mortgage1

For 7 years your personal budgeting is simplified since you know exactly what your mortgage payment will be for 7 years.

To benefit from that offer additional criteria includes all of the following:

  • Residential owner-occupied homes
  • Up to 25-year amortization
  • Up to 75% loan-to-value or high-ratio insured

And a final criteria is to:

  • Set-up a direct deposit to a Vancity chequing or savings account

The deposit must be a system-generated payment that automatically credits your account at least once a month.2


  • Set-up a pre-authorized credit into a Vancity Savings registered plan or with our wealth management professionals.

The new pre-authorized credit or direct deposit must be set-up by time of mortgage funding. The pre-authorized credit to a registered plan (RRSP, TFSA, RESP, or RDSP) can not have an expiry date and be a minimum monthly credit of $50.

Additional features

  • 150 day rate guarantee: For a limited time take advantage of our 150 day rate guarantee so you have the time to ensure you reach your financial goals. Offer only available on transfers of existing mortgages from another financial institution to Vancity. We will guarantee your interest rate for up to 150 days from pre-approval date3.
  • Have the flexibility to use the equity in your home for large expenses such as home renovations.

Mortgage solutions as diverse as you.

With a variety of options for payments plans and interest rates, we can find a mortgage that is right for you. We know the choices can be overwhelming so the best thing to do is speak to us directly.

  • Open-term mortgage
  • Closed term fixed rate mortgage
  • Fixed-term mortgage
  • Fixed rate mortgage
  • Homeprime mortgage
  • Creditline mortgage
  • Mixer mortgage
  • Construction mortgage
  • Home renovation options
  • Laneway mortgage
  • Environmental options

Learn more

Contact a mortgage specialist

Email us at or call us at 1.888.826.2489 to learn more about your options

Send an email

1 Some conditions apply. 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.

2 The following deposits are eligible for the offer: Direct Payroll Deposit, Employment Insurance benefits, Canada Pension Plan, Old Age Security, or Government Superannuation, WCB, Disability payment, Income Security Benefit, Veteran Pension (Veteran Affairs Canada), War Veteran Allowance.

3 Available for all mortgage types and terms except the 5-year Closed Term Fixed Rate Mortgage. If the mortgage is not funded within the 150-day period, the interest rate guarantee expires. This offer is subject to change or may be withdrawn without notice at any time.


Contact a mortgage specialist

Email us to learn more
about your options

Send an email