Our mortgage rates.

All mortgage rates

Insured mortgages.

Own with as little as 5% down with an fixed-term fixed-rate insured mortgage.

Rates (APR)¤ as of 2024-05-21

5-year fixed-term fixed-rate insured residential

To qualify for this rate you must:

See full terms & conditions.

4.74%¤

5-year fixed-term fixed-rate insured residential

4.94%¤

Closed-term fixed-rate mortgages.

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.

Rates (APR) as of 2024-05-21
5-year closed-term fixed-rate residential mortgage 5.04%§

Fixed-term fixed-rate mortgages.

Combine a lower interest rate with a predictable payment schedule and the option to repay a portion of your mortgage ahead of time.

Rates (APR) as of 2024-05-21
6-month fixed-term residential 7.95%
1-year fixed-term residential 6.79%
2-year fixed-term residential 6.39%
3-year fixed-term residential 5.70%
4-year fixed-term residential 5.49%
5-year fixed-term residential 5.59%
5-year fixed-term insured residential 4.94%¤
7-year fixed-term residential 5.90%
10-year fixed-term residential 6.89%

Open-term fixed-rate mortgages.

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.

Rates (APR) as of 2024-05-21
6-month open-term residential 9.60%
1-year open-term residential 9.60%
2-year open-term residential 8.34%
3-year open-term residential 7.95%
5-year open-term residential 7.79%

Homeprime mortgages.

Take advantage of a lower interest rate and fixed monthly payments with a variable mortgage, available with open or fixed term.

Homeprime (variable) rate††: 7.20%

Homeprime rates are tied to the Vancity Prime rate. The current Homeprime rate is effective as of July 1, 2023. Any changes to the Vancity Prime rate will be seen in the Homeprime rate at the beginning of the calendar month.

Rates (APR) as of 2024-05-21
5-year Homeprime fixed-term (Vancity Homeprime rate - 0.25%)†† 6.95%
5-year Homeprime open-term (Vancity Homeprime rate + 3.30%)†† 10.50%

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