Switching your mortgage
Get up to $3,500 in value when you move your mortgage.¹
Members get preferred rates when they do more banking with Vancity.* Offer expires September 30, 2025.
Book an appointment
Rewards when you move your mortgage.
Receive up to $3,500 in value with any fixed-term mortgage of 3 years or more.³
Cashback up to $2,000
Depending on the value of your mortgage, receive from $500 to $2,000 when you choose a fixed-term mortgage and meet the eligibility criteria.
Bonus for low emission homes
If your home is heated by electricity or geothermal power, we’ll give you 150,000 Vancity enviro™ Visa* Reward points valued at $1,500 as a bonus.
Rates worth switching for.
4.50%◊
3.99%¤
4.09%◊,α
4.04%**
Cashback tiers.
Mortgage value
Cashback
Eligible mortgages only¹
$100,000 to $449,999
$500
$450,000 to $749,999
$1,000
Greater than or equal to $750,000
$2,000
Cashback add-ons
Low emission home bonus
Additional $1,500 in Vancity Rewards Points
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.
Calculate your savings.
Don’t leave money on the table—run the numbers yourself to see if switching could save you more.
Calculate your potential savingsReasons to switch your mortgage 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 to Vancity is as simple as 1, 2, 3, 4.
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 mortage 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.
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 appointmentView legal details
¹ Please read the Terms and Conditions which govern the Vancity Mortgage Cash Back Offer.
² Member preferred rates depends on the active products and services you hold, and other factors. Contact us for details.
³ 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.
α The “Special Offer Rate” on the 2-year fixed-term residential mortgage cannot be combined with any other special offers including the “Exclusive Mortgage Rate” on mortgage renewals. Vancity reserves the right to modify or terminate the “special offer rate” at any time without prior notice.
** 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.
* Trademark of Visa Int. Used under license.