Finding the right mortgage

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Featured rates

3.05% Variable Rate 1

  • Five-year fixed term.
  • Convertible into a fixed rate mortgage anytime without penalty as long as the new term and interest rate are equal to or greater than the remaining term and interest rate.

3.49% 5 Year Fixed Term 2

  • Get the security of a predictable  interest rate.
  • Enjoy a predictable payment schedule (weekly, bi-weekly, monthly, or semi-monthly).


For both rates, you also have repayment flexibility, with options to:

  • Prepay up to 20% of your original balance once per mortgage year
  • Increase payments by up to 20% once per mortgage year

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. We'll look at your individual needs and your situation to find some that you'll be happy with.

  • 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 mortgages@vancity.com or call us at 1.888.826.2489 to learn more about your options

Send an email

(1) Special rate offer available only for amortization of 25 years or less with a loan-to-value ratio of 75% or less. Must be owner occupied. 5-Year Homeprime Fixed Term Mortgage interest rate is compounded monthly, not in advance. Vancity's Homeprime mortgage offers you a low variable interest rate based on Vancity's Homeprime rate over a 5-year fixed term. The Homeprime represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate changes when Vancity Homeprime changes. Rates subject to change without notice. 

(2) Special rate offer available only for a new, 5-year Fixed Term Mortgage where the mortgage loan-to-value is less than 75% and the amortization is 25 years or less.  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.