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.

Learn how to qualify

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.

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.

Download full terms & conditions

Book an appointment Find a mortgage specialist

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 savings

Reasons 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.

1

Give us a call.

Book an appointment to kick off the process. We’ll walk you through everything you need to know.

2

Choose your mortgage.

Our experts will help you requalify for your mortgage and guide you through your mortage options.

3

Connect with your lawyer.

You’ll work with your lawyer to get the legal details of the switch started.

4

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 appointment