Personal Lending

Mortgages

Members get a helping hand with their mortgage.

Buying a house is probably one of the biggest purchases you'll ever make, and you want to be sure you're getting the mortgage product, features and rate that work for you. That’s why our team can help you choose the right mortgage for you and they'll even help you save along the way with the Members Get It® Mortgage.

We also make it easy to access getting a mortgage. Get started by phone, in a branch or one of our Mobile Banking Specialists can come to you.

Featured Mortgage Rates (Effective 6-Mar-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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Construction Mortgage

Building a house? Get financing at every stage of your build.

  • Get advances to pay for the cost of building
  • Make interest-only payments up to 12 months
  • Agree on the term upfront
Talk to a Mobile Banking Specialist

Disclaimer

Coast Capital Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to life insurance, segregated funds and annuities. Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund specific simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

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The You're the Boss® Mortgage

Get flexibility with your choice of rate type, an extra payment option, and the ability to skip a payment.

  • Put extra money toward your mortgage and take it out any time
  • Make extra payments to help you pay your mortgage down faster
  • On a 5-year term, choose between a fixed or variable rate and our Half & Half® Rate
  • Skip a payment once a year
Learn more Read the not-so-fine print

Terms & Conditions

For residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. Interest rates effective Mar 6, 2017 and subject to change without notice. High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible. 

  1. Annual Percentage Rate (APR) on a 5-year closed mortgage, compounded semi-annually. If fees or charges apply, the APR could increase.

  2. Initial interest rate and the APR on a 5-year Half & Half™ Rate mortgage, closed mortgage, calculated monthly. The Half & Half Rate is a variable rate. When the Coast Capital Savings’ prime rate goes up or down, the Half & Half Rate goes up or down by one-half of the change in the prime rate. APR fluctuates with Coast Capital Savings’ prime rate. If fees or charges apply, the APR could increase.

  3. Initial interest rate and the APR on a 5-year convertible, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.

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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 apply online?

Here’s what you need to do.

Step 1

Take no more than 10 minutes to complete the pre-approval form. We’ll get back to you within 2 business days.

Step 2

We’ll contact you to discuss your application including required documents, rates and terms.

Step 3

Finalize the mortgage at a branch of your choice.


Get started

Mortgage questions? Let's chat.

Call us at 1.888.517.7000 Mon-Sat, 8am-8pm. Or, we'll come to you.

Talk to a Mobile Banking Specialist 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.