Mortgages built for your needs.

We can help you choose the right financing option for your building or renovation project.

Laneway house mortgage

Community starts in your backyard.

When you build a laneway home, you’re adding housing to an established neighbourhood, enhancing and diversifying your community, and increasing the value of your property.

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Key features.

Bundled services to get you started.

The Laneway Homebuyers’ Bundle includes $750 in closing costs and appraisal services, plus a preferred interest rate and the potential to earn up to 1% cash back.*

Added value and increased income.

A laneway house can add significantly to the value of your property and provide rental income or additional living space for your family.

More to love about this mortgage.

Choice of payment frequency

Make payments weekly, bi-weekly, monthly, semi-monthly, accelerated weekly or accelerated bi-weekly. Paying more frequently will save you interest and shorten the time it takes to pay off your mortgage.

Cash back* when you transfer an existing mortgage to Vancity

Move your mortgage to Vancity from another financial institution, and we’ll give you up to 1% of the mortgage principal as cash back.*

Choose your rates, term and amortization

With a laneway house mortgage, you can choose from a variety of mortgage options to find the rates and terms for your lifestyle and budget. Explore all Vancity mortgage rates.

Vancouver residents

If you live in Vancouver, visit the City of Vancouver website to find out if you’re eligible to build a laneway house on your property. You’ll find lots of valuable information to help you get started, including a zoning lookup tool and a step-by-step how-to guide.



You are at least 19 years old.


You live in British Columbia and have a BC address.


The home you’re looking to purchase or build is in British Columbia.


You pass the stress test.

The stress test is a formula set by the Federal Government to ensure you’ll be able to afford your mortgage. To pass the stress test, you'll need to qualify at the greater of the contractual mortgage rate plus 2%, or the OSFI Minimum Qualifying Rate (5.25%, as of December 15, 2022).

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Find a specialist near you

Interested in a new mortgage or refinancing? Browse our mortgage specialists to connect with someone in your area.

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Talk through your questions

For general mortgage inquiries or help with renewing your mortgage, book a time that works for you and we’ll give you a call back.

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