Renewing your mortgage

It’s a good time to check in.

Your life has probably changed since you first took on your mortgage. If you’re renewing, we can help you explore mortgage options to fit your current needs and goals.

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Reasons to renew your mortgage with Vancity.

Advice you can trust

Our mortgage specialists take the time to understand what’s important to you, so they can look out for your best interests.

Support when you need it

Our mortgage specialists work beyond the 9-to-5 and can meet you at your home, at your community branch, or anywhere in between.

Competitive and guaranteed rates

We’ll give you the lowest rate within 90 days prior to your mortgage renewal date — guaranteed.

Options for peace of mind

If you have an existing fixed-term fixed-rate mortgage with us, you can renew early and lock-in a blended rateᶲ between your existing rate and today’s rate.

How to renew your mortgage.


Know when your term ends.

You can start the renewal process up to 90 days prior to your maturity date. We’ll give you a competitive rate, so you’re protected if rates rise. If rates fall lower, you’ll get the lowest rate.


Revisit your options.

Life may have changed since you set up your initial mortgage. Maybe you got a raise or you’re now paid bi-weekly. Adjust your payment to fit your life right now.


Give us a call.

If you need help with options or are ready to renew, book an appointment.

Where you bank can change everything.

100% of everyday deposits stay in the local and Canadian economy.

30% of profits go to you and fund values-based projects.

75+ years of positive action on climate and inclusion.

Take the next step.

Find a specialist near you

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

Browse our directory

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.

Book a phone appointment