Mortgage rates

Vancity offers a range of home mortgages with rate plans to suit all needs. Mortgage rates are important, but so is flexibility. To find the right mortgage for you, you need to consider all of its features and benefits. View the mortgage options page to learn more.

For more information about Vancity mortgages and interest rates, please contact our Mobile Mortgage Specialists or call the Member Services Centre at 604.877.7000 or toll-free at 1.888.826.2489.

If you’re already a Vancity member, take a look at our Member Preferred Rates1 and contact us to find out how to qualify for these rates.

Closed Term Mortgage3 Posted Rates
Member Preferred Rate
5 Year Closed Term Fixed Rate Residential Mortgage 3.24% 3.24%

Fixed Term Mortgages3 Posted Rates
Member Preferred Rate
6 Month Fixed Term Residential 4.00%  
1 Year Fixed Term Residential 3.39% 3.24%
2 Year Fixed Term Residential 3.60% 3.29%
3 Year Fixed Term Residential 4.04% 3.39%
4 Year Fixed Term Residential 4.49% 3.44%
5 Year Fixed Term Residential 5.34% 3.79%
7 Year Fixed Term Residential 5.80% 3.89%
10 Year Fixed Term Residential 6.50% 4.39%

Open Term Mortgages3 Posted Rates
6 Month Open Term Residential 7.25%  
1 Year Open Term Residential 6.70%  
2 Year Open Term Residential 4.60%  
3 Year Open Term Residential 5.04%  
5 Year Open Term Residential 6.34%  

Homeprime Mortgages2 Posted Rates
Member Preferred Rate
5 Year Homeprime Fixed Term 3.55% 3.25%
5 Year Homeprime Open Term 4.45%

1 Some conditions apply. Available on new mortgages and renewing mortgages for residential properties only and subject to meeting Vancity’s credit granting criteria. Offer may be changed or withdrawn at any time without notice. These are discounted rates and are not available in combination with any other rate discounts, promotions or offers.
2 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.
3 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. Rates subject to change without notice.