Switching your mortgage
Get up to $5,800 in value when you move your mortgage.1
Members get preferred rates when they do more banking with Vancity.2 Offer expires June 30, 2026.
Rewards when you move your mortgage.
Receive up to $5,800 in value with any fixed-term mortgage of 3 years or more when you switch your existing mortgage from another financial institution to Vancity.3
Cashback up to $3,800
Depending on the value of your mortgage, receive from $1,000 to $3,800 when you choose a fixed-term mortgage and meet the eligibility criteria. Learn how to qualify
Switch your mortgage to Vancity
You can receive an extra $1,500 in cashback when you switch your mortgage.
Bonus reward points
We’ll give you 50,000 Vancity enviro™ Visa* Reward points valued at $500 as a bonus.
Featured mortgage rates.
Our top picks and special offers.
4.19%¤
3-year fixed-term fixed-rate insured
Book an appointment for a high-ratio insured mortgage. Terms and conditions apply.
4.24%**
Special offer
3-year fixed-term fixed-rate (special offer)
Special offer rate when you book an appointment for a fixed-term, fixed-rate mortgage. Terms and conditions apply.
4.24%¤
5-year fixed-term fixed-rate insured
Book an appointment for a high-ratio insured mortgage. Terms and conditions apply.
4.79%◊
1-year fixed-term fixed-rate
Great if you want to lock in a short-term mortgage and consider future refinancing options.
4.19%◊
2-year fixed-term residential
Great if you want to lock in a short-term mortgage. Terms and conditions apply.
4.39%◊,α
4-year fixed-term fixed-rate
Great if you want to count on making the same payment for your entire term.
4.44%◊
5-year fixed-term fixed-rate
Great if you want to count on making the same payment for your entire term.
3.95%◊
5-year fixed-term variable rate
Great if you want a variable rate with the security of predictable payments.
Cashback tiers.
| Mortgage value | Cashback Eligible mortgages only1 |
| $100,000 to $449,999 | $1,000 |
| $450,000 to $749,999 | $2,000 |
| Greater than or equal to $750,000 | $3,800 |
| Cashback add-ons | |
| Switching your mortgage to Vancity bonus | $1,500 |
| Additional Vancity enviro™ Visa* Reward Points | $500 in Vancity Rewards Points |
When you switch your mortgage to Vancity, you’re eligible for all cashback incentives and the Vancity Enviro Visa Rewards points bonus (50,000 Visa Reward points, a $500 value).
How to qualify for your cashback.
You may qualify for our cashback offer by meeting the following criteria:
- Move your existing mortgage to Vancity
- Open or have a Vancity Essential Chequing or Total Chequing account
- Set up pre-authorized mortgage payments to come from one of these accounts
- Set-up an automated, recurring direct payroll deposit or eligible government credit to the account
- If you have an existing Chequing Plus or Access Chequing account you may use that account for this promotion.
See how much you could save.
Use our mortgage renewal calculator to see if switching to Vancity could save you more.
Why switch to 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
Offering you great value and peace of mind with a 120-day rate guarantee.
Shared success
Vancity directs 30% of net profits to our members and programs that address environmental and social needs in our communities.
Switching is easy.
Give us a call
Book an appointment to kick off the process. We’ll walk you through everything you need to know.
Choose your mortgage
Our experts will help you requalify for your mortgage and guide you through your mortgage options.
Connect with your lawyer
You’ll work with your lawyer to get the legal details of the switch started.
Sit back and relax
We’ll take care of the final details to complete the mortgage switch.
Protection you can count on.
Rest easy knowing you’re covered if the unexpected happens. Choose from these additional forms of insurance:+
- Life coverage
- Involuntary loss of employment coverage
- Disability coverage
- Critical illness coverage
Find a specialist near you.
Interested in a new mortgage or refinancing? Browse our mortgage specialists to connect with someone in your area.
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.
Please read the Terms and Conditions which govern the Vancity Mortgage Cash Back Offer.
Member preferred rates depends on the active products and services you hold, and other factors. Contact us for details.
Offer cannot be combined with high-ratio special offer rates.
Available to members with less than 20% down payment, a residential property with a purchase price under $1,500,000, the amortization is 30 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. Default insurance is subject to eligibility conditions, limitations and exclusions. 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. This rate cannot be combined with the mortgage cash back offer.
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.
Some conditions apply. This advertised rate is only available to members with 20% or greater down payment on the property, purchasing a residential owner-occupied property with purchase price under $1,000,000, and mortgage amortization of 25 years or less. 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.
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Creditor’s group insurance is optional and is underwritten by Co-operators Life insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS services Incorporated, a subsidiary of Co-operators Life insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full Coverage details.