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Our mortgage rates.
Lock in a low rate on a mortgage closing within 60 days with less than 20% down payment.
| 5-year fixed-term insured residentialᶲ | 4.49%† |
| 5-year Homeprime fixed-term insured (Vancity Homeprime rate - 0.48%)ᶲ†† | 6.22%† |
Get a low interest rate guaranteed for 5 years, predictable fixed payments and the flexibility to prepay annually a portion of your mortgage ahead of time.
| 5-year closed-term fixed-rate residential mortgage | 4.64%§ |
Combine a lower interest rate with a predictable payment schedule and the option to repay a portion of your mortgage ahead of time.
| 6-month fixed-term residential | 6.94%◊ |
| 1-year fixed-term residential | 5.29%◊ |
| 2-year fixed-term residential | 5.69%◊ |
| 3-year fixed-term residential | 5.59%◊ |
| 4-year fixed-term residential | 5.09%◊ |
| 5-year fixed-term residential | 5.09%◊ |
| 5-year fixed-term insured residential | 4.64%¤ |
| 7-year fixed-term residential | 5.94%◊ |
| 10-year fixed-term residential | 6.80%◊ |
Get a low interest rate guaranteed for 5 years, predictable fixed payments and the flexibility to prepay annually a portion of your mortgage ahead of time.
| 6-month open-term residential | 9.25%◊ |
| 1-year open-term residential | 9.15%◊ |
| 2-year open-term residential | 7.54%◊ |
| 3-year open-term residential | 7.40%◊ |
| 5-year open-term residential | 7.34%◊ |
Take advantage of a lower interest rate and fixed monthly payments with a variable mortgage, available with open or fixed term.
Homeprime (variable) rate††: 6.70%
Homeprime rates are tied to the Vancity Prime rate. The current Homeprime rate is effective as of February 1, 2023. Any changes to the Vancity Prime rate will be seen in the Homeprime rate at the beginning of the calendar month.
| 5-year Homeprime fixed-term (Vancity Homeprime rate - 0.20%)†† | 6.50%◊ |
| 5-year Homeprime open-term (Vancity Homeprime rate + 3.30%)†† | 10.00%◊ |
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† 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. 5-Year Homeprime Fixed Term Mortgage interest rate is compounded monthly, not in advance. Vancity's Homeprime mortgage offers you a variable interest rate based on Vancity's Homeprime rate over a 5-year fixed term. Rate changes when Vancity Homeprime changes. Rates subject to change without notice. Refer to the Vancity Homeprime Rate section for more information.
◊ Some conditions apply. Available to Vancity members on new and renewing mortgages where the mortgage loan-to-value is less than 75% and the amortization is 25 years or less. Must be owner occupied. All applicants must meet the Vancity lending criteria. Rate is subject to change or may be withdrawn without notice at any time.
¤ Only available to members with less than 20% down payment, a residential property with a purchase price under $1,000,000, the amortization is 25 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. 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.
ᶲ Some conditions apply. The mortgage application must be funded by Vancity within 60 days of the date the application is started. This rate is only available to members with less than 20% down payment, a residential property with a purchase price under $1,000,000, the amortization is 25 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. All applicants must meet the Vancity lending criteria.
* Some conditions apply. The mortgage application must be funded by Vancity within 60 days of the date the application is started. Available to Vancity members on new and renewing mortgages where the mortgage loan-to-value is less than 75% and the amortization is 25 years or less. Must be owner occupied. All applicants must meet the Vancity lending criteria. Rate is subject to change or may be withdrawn without notice at any time.
§ Some conditions apply. Available to Vancity members on new and renewing mortgages where the amortization is 25 years or less, and residential property with a purchase price under $1,000,000. Must be owner occupied. All applicants must meet the Vancity lending criteria. Rate is subject to change or may be withdrawn without notice at any time.
†† The interest rate for a Vancity Homeprime (variable rate) mortgage is tied to the Vancity Homeprime Rate. As mortgage interest rates fluctuate with market conditions, they move in sync with the Vancity Homeprime Rate. This is why interest rates are written as Vancity Homeprime Rate "+" or "-" a certain interest rate amount to show how the interest rate is calculated based on the Vancity Homeprime Mortgage Rate.