Personal Lending

Renewing Your Mortgage

Members get a helping hand with mortgage renewals.

We make it easy to renew. In fact in less time than it takes to have your pizza delivered, we can renew your mortgage. Plus with our Members Get It® Mortgages, you get a great rate and $1,000 to invest, even with renewals. We also have flexible payment options that let you pay your mortgage off faster, which could save you thousands of dollars.

We’ll get in contact with you a few months before your mortgage expires so you can confirm a rate in advance. If we don't hear from you before your renewal date, we'll automatically renew your mortgage into a 1-year open term.

Below are a few products we can talk to you about when you renew your Coast Capital Savings mortgage.

Featured Mortgage Rates (Effective 6-Feb-17)
2.30 % 5-Year Variable *
2.64 % 5-Year Fixed Insured Rate †


Members Get It® Mortgages

Our members get more with Members Get It Mortgages. You'll get a great rate2 and up to $1,000 in Help Extras®3.

  • New mortgages or renewals for a term of 3 years or more receive $1,000 in Help Extras®
  • Terms of 1 or 2 years receive $500
  • Put your Help Extras toward investment products such as term deposits in non-registered or registered accounts such as an RRSP, RESP or TFSA
  • More Help Extras when you renew down the road
Learn more Read the not-so-fine print

Terms & Conditions

  1. Closed, residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. Rates subject to change without notice.

  2. Initial interest rate and APR, compounded monthly.

  3. Some conditions apply for Help Extras. Contact us for details.

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Home Equity
Line of Credit

Use the equity in your home for renovations, big purchases or even consolidating debt, all at a lower interest rate than a regular loan.

  • Access up to 65% of the value of your home
  • Only pay interest1 on the amount used
  • Access money through your chequing account, debit card, cheques, or in branch
  • Pay down the balance any time, and then use it again when you need to
Apply online Read the not-so-fine print

Terms & Conditions

  1. Rate and approval based on risk profile.

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Need a hand?

Let's have a quick Where You're At Money Chat® to help you solve your money matters and determine the right mortgage for you.
Schedule a Money Chat

Other helpful mortgage products.

Here are other mortgage options we’ll go over with you when you get a mortgage from Coast Capital Savings

Multi-purpose Mortgage

With a Multi-Purpose Mortgage, you can split your mortgage into sections, each with its own term length and interest rate. You can borrow up to 80% of your home’s equity, make advances any time, and pay the registration and legal fees once, no matter how many times you dip into it.

Mortgage Insurance

Through our partners at CRI Canada‡, we offer life and disability insurance for your mortgage which protects you from losing your home if you’re unable to make mortgage payments due to injury, illness or death.

Automatic Deposits and Payments

Make deposits into your chequing or savings account at a regular frequency. You can also set up automatic bill payments.

Learn more

Ready to renew?

Here's what you need to do.

Step 1

Take a few minutes to complete the online form.

Step 2

We'll contact you within 2 business days to finalize your renewal details including rates and terms.

Ready to renew? Let's chat.

Call us at 1.888.517.7000 Mon-Sat, 8am-8pm.

Email us Find a branch

* Closed, residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. Rates subject to change without notice.   Initial interest rate and APR, compounded monthly.   Some conditions apply for Help Extras. Contact us for details.
† For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Additional fees may apply, and Annual Percentage Rate (APR) could increase. Rates subject to change without notice. Initial interest rate and APR compounded monthly.   Some conditions apply for Help Extras. Contact us for details.
‡ CRI Canada is a marketer of line of credit insurance underwritten by Canadian Premier Life Insurance Company (Head Office - Toronto, ON) and insurance-related products. This product may not pay off your entire line of credit obligation. Any benefits will be payable to your creditor. Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contact your Coast Capital Savings lender.