Switching your mortgage

Where your mortgage makes a difference.

When you choose a Vancity mortgage, you’re getting more than competitive rates and personalized service. You’re investing in a better world — and it all starts at home.

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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

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

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.

Home financing to build the world we want.

These loans and mortgage options are designed to create a more equitable, livable world.

Mixer Mortgage™

Home ownership doesn’t need to feel out of reach. With our Mixer Mortgage, you can share the costs with a partner, family members, roommate or friends.

Explore Mixer Mortgage

Construction mortgage

Build an energy efficient home with a mortgage that streamlines planning, simplifies repayments and funds construction as it happens.

Explore construction mortgage

Laneway house mortgage

Support with closing costs, a home appraisal and other features make it easier to add housing to established neighbourhoods with laneway homes.

Explore laneway mortgage

First Nation land home loan

Our customized financing options respect the unique housing requirements and policies needed to make housing more accessible in First Nations communities.

Explore First Nation land home loan

Planet-Wise™ teardown financing

If you’re tearing down a home to build a new one or undertaking a renovation, this loan can help you limit the environmental impact.

Explore Planet-Wise teardown financing

Co-op home loan

With a loan to purchase co-op shares, you can make your dream of living alongside like-minded people a reality.

Explore co-op home loan

Protection you can count on.

Rent 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
View all coverage options

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