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Fixed-rate mortgage

If you’re looking for a mortgage that makes payments more predictable and budgeting easier, a fixed-rate mortgage could be the right choice for you.

With a fixed-rate mortgage, you get the same interest rate for the entire term of your mortgage, so you can count on making the same payment every month. Choose terms of 6 months to 10 years, with an amortization (total debt repayment period) of up to 30 years.

You may also be eligible for a cash-back* option of up to 5% of the value of your mortgage. Use your cash reward for home renovations and other home-related expenses, to pay down higher-interest debt, or on anything else you choose.

Features and benefits

  • Apply for a mortgage of up to 95% of the value of your home
  • Enjoy a predictable payment schedule (weekly, bi-weekly, monthly, or semi-monthly)
  • Get the security of a predictable  interest rate
  • Cash back* option available
  • Assign it to another party
  • Choose either a fixed-term or an open-term

Mortgage rates

View our current mortgage rates.

How to apply

You can book an appointment for a Vancity mortgage online, or over the phone by calling Member Services Centre at 604-877-7000 or toll free at 1-888-Vancity (826-2489).

You can also contact a Vancity mortgage specialist to discuss mortgage options, ask questions, and receive personalized mortgage advice. Our specialists will travel to meet you at your home, office, or any other convenient location. Find a mortgage specialist in your area.

Book an appointment

*Take out a 3, 4, 5, 7 or 10-year fixed-term mortgage, and we will give you cash back in an amount of up to 5% of the mortgage principal. Cash back is paid on the date the mortgage is funded. If the mortgage is not funded, no cash back will be paid. If you choose to break your mortgage commitment for any reason prior to maturity, you will be required to repay a portion of the cash back received