Buying a new home.

MORTGAGES

Personalized advice homeowners can trust.

Whether it’s buying your first home or moving somewhere new, we know that there’s a lot to consider when you’re shopping for a mortgage. We'll help you feel confident every step of the way. Our Mortgage Advisors are ready with personalized advice to help you achieve what matters to you, like planning for a home you can actually afford. Get a great rate and up to $1,500 cash when you get a new Coast Capital mortgage1,2. 

Get pre-qualified for a mortgage in less than 3 minutes.

Find out how much mortgage you can afford. Your credit score won't be impacted and there's no commitment to apply for a Coast Capital mortgage if you qualify.

GET PRE-QUALIFIED

Prefer to speak with a Mortgage Advisor? Connect with us online or call 1.888.517.7749.


Explore our great mortgage rates.

Whether you’re a first-time homebuyer or buying a new home, we have the right mortgage for you. We'll even hold your rate for 90 days. Ask us how.

4.06% APR3

5-Year Variable High-Ratio Mortgage 

5.16% APR3

5-Year Fixed High-Ratio Mortgage 

4.06% APR3

5-Year Variable

Mortgage 

5.26% APR3

5-Year Fixed

Mortgage 

Check out our other mortgage rates.

GET PRE-QUALIFIED

Why switch to Coast Capital?

We’ve been member-owned for over 80 years, so you always get great rates and advice you can trust.

Partnership Partnership
The more we get to know you personally, the better we can help you create the real life you want. We'll work together to find the right mortgage for you.
Advice Advice
Our focus is to educate and guide you to the right mortgage solution and to provide clear, simple, and personalized advice that you can feel excited about.
Rates Rates
We offer rates that are as low as possible to make sure that your mortgage works for your real life. We want you to feel confident when you're buying your home.

Get up to $1,500 with your mortgage.

$1,000 Help Extras cash bonus1

That’s cash in your pocket that you can use for other home-buying expenses like creditor insurance.

$500 cash bonus towards your fees2
In addition to the Help Extras cash bonus, we’ll cover up to $500 of legal and appraisal fees.
Members Get It® Mortgages
Get more with our mortgages including a great rate and up to $1,500 cash bonus with eligible mortgages.†,‡
  • New mortgages with a term of 3 years or more receive $1,000 in Help Extras® and up to $500 towards legal and appraisal fees.
  • Put your cash bonus toward investment products such as term deposits in non-registered or registered accounts such as an RRSP, RESP or TFSA
BOOK APPOINTMENT
† Read terms and conditions.

Terms and Conditions.

† Help Extras are available for new closed mortgage loans with a principal amount not less than $150,000, having a term of not less than 3 years. Pre-approval is available for both primary residences and rental properties. Must be either a first mortgage, or a second mortgage behind a Coast Capital Savings first mortgage. Coast Capital Savings may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. Other conditions will apply.Contact usfor details.

‡ The $500 appraisal and legal credit is available for new closed mortgage loans with a principal amount not less than $150,000 and having a term not less than 3 years. Re-financed mortgages and subsequent advances on mortgage loans are not eligible. Coast Capital Savings Federal Credit Union may limit the availability of the $500 appraisal and legal credit from time to time at its sole discretion. Coast Capital Savings Federal Credit Union may change or terminate this offer at any time and without prior notice. All decisions by Coast Capital Savings Federal Credit Union regarding this offer are binding on all participants. Contact us for details.

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High-Ratio Mortgages
If you’re putting less than 20% towards the down payment of your new home, a High-Ratio mortgage may be the right solution with default insurance included.
  • Gives you the flexibility to buy your home with as little as 5% for your down payment
  • Feel protected with the inclusion of default insurance, which is required for down payments less than 20%
  • The insurance premium is added to the balance of your mortgage amount
  • Pre-qualify in less than 3 minutes to find out how much you can afford to mortgage. Your credit score won't be impacted and there's no commitment to apply for a Coast Capital mortgage if you qualify.
GET PRE-QUALIFIED
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Personal LOC†
A helpful alternative to cash advances or large credit card purchases.
  • Get access to extra funds and only pay interest when it's used.
  • Pay down the balance at any time
  • Re-advance your loan as many times as you need
  • Interest charged only on what you use
  • Access money through your chequing account, debit card, cheques or in a branch
APPLY ONLINE
† Read terms and conditions.

Terms and Conditions.

† Subject to Coast Capital standard lending policies and criteria. Personal guarantee(s), security, and additional documentation may be required. Fees may apply. Other conditions may apply.

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Ready to buy a new home? Here’s how to get started.

Get pre-qualified for a mortgage in less than 3 minutes.
Find out how much mortgage you can afford when you pre-qualify with us. Your credit score won't be impacted and there's no commitment to apply for a Coast Capital mortgage if you qualify.
Speak with an Advisor.
A Mortgage Advisor will be in contact with you to discuss the results of your pre-qualification and talk about next steps.
Finalize your mortgage.
We'll help you complete the full mortgage application, and customize your rate and terms. We'll even hold your rate for 90 days. Make sure you have these documents for your application.

Ready to take the first step?

GET PRE-QUALIIFIED 

We've answered your most popular FAQs.

A pre-qualification gives you an accurate estimate of the total cost of a home you could afford. Because we use your credit history in addition to your reported income, you’ll get a more accurate result than if you used a basic mortgage calculator.

A pre-qualification gives you a quick result of what you could potentially qualify for based on the information you provide us and your credit history.

This is NOT a pre-approval, though that’s what comes next! A pre-approval means that you qualify for a mortgage based on the information you have provided, and subject to certain conditions. A mortgage pre-approval often specifies a term, interest rate and principal amount.

If you’re looking to get pre-approved, please submit a request through this form, contact us at 1-888-517-7000 or visit us at any of our convenient locations and we’ll be happy to help.


You can access the tool from Chrome, Safari, Edge and Firefox on any operating system. The only browser we don’t support is Internet Explorer. 

Yes, after 14 minutes, you will be presented with a warning message. If you do not click “Continue” within 15 minutes, your application will time out and you will need to start over.

Can I save and continue later?

If you leave the tool prior to clicking “Submit”, your information will be not be saved. You will need to start from the beginning.

What if I want to change my information after I've submitted and received a result?

Once you have submitted your information and received a result, you are unable to edit previously submitted information. You will need to start a new submission.

What if I'm looking to pre-qualify for a property that will not be a primary home purchase?

This tool is for primary home purchases only. If you are looking for a mortgage for a property that won’t be your primary residence, please submit a request through the form and we'll be happy to help.

How can my credit history be used to calculate my result without affecting my credit score?

We perform a soft credit check, meaning that there is no negative impact to your credit score. You will be able to see this soft credit check if you request a report from a credit reporting agency (like Equifax), but other parties (like banks) will not be able to see it.


Protect your payments if the unexpected happens.

We offer optional creditor insurance through our partner Valeyo4 to give you and your family the peace of mind that your financial debts, like mortgages, personal loans or lines of credit, will not become a burden in the event of unforeseen circumstances.

It's protection you can count on.

LEARN MORE

Protect your payments if the unexpected happens.

We offer optional creditor insurance through our partner Valeyo4 to give you and your family the peace of mind that your financial debts, like mortgages, personal loans or lines of credit, will not become a burden in the event of unforeseen circumstances.

It's protection you can count on.

LEARN MORE

Mortgage advice that’s available 24/7.

No matter where you’re at in your mortgage journey, we have an entire collection of helpful articles to help you live the real life you want. Explore our first-time homebuyers manual, popular mortgage FAQs and more.

READ ARTICLES

Mortgage advice that’s available 24/7.

No matter where you’re at in your mortgage journey, we have an entire collection of helpful articles to help you live the real life you want. Explore our first-time homebuyers manual, popular mortgage FAQs and more.

READ ARTICLES

Helpful Resources

Like what you see? Here's more.

MANAGING YOUR MONEY
 Why you should talk to a Mortgage Advisor
A perfect mortgage is so much more than just a seductively low-interest rate. Read up on why you should always talk to a Mortage Advisor.
Read article
MANAGING YOUR MONEY
 Fixed vs. variable – which mortgage rate is right for you?
What type of mortgage is the most suitable for you? Fixed-rate mortgage or a variable mortgage? This short guide sets out what you need to know.
Read article
MANAGING YOUR MONEY
 5 (more) mortgage FAQs answered by an expert (Janessa)
Here are 5 common questions Janessa, a relationship manager, gets asked about mortgages.
Read article
Want to speak with a Mortgage Advisor?

Connect with our Mortgage Advisors online or call 1.888.517.7000.


CONNECT WITH US
  1. Help Extras are available for new closed mortgage loans with a principal amount not less than $150,000, having a term of not less than 3 years. Pre-approval is available for both primary residences and rental properties. Must be either a first mortgage, or a second mortgage behind a Coast Capital Savings first mortgage. Coast Capital Savings may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. Other conditions will apply.Contact us for details.
  2. The $500 appraisal and legal credit is available for new closed mortgage loans with a principal amount not less than $150,000 and having a term not less than 3 years. Re-financed mortgages and subsequent advances on mortgage loans are not eligible. Coast Capital Savings Federal Credit Union may limit the availability of the $500 appraisal and legal credit from time to time at its sole discretion. Coast Capital Savings Federal Credit Union may change or terminate this offer at any time and without prior notice. All decisions by Coast Capital Savings Federal Credit Union regarding this offer are binding on all participants. Contact us for details.
  3. Interest rate and approval based on risk profile. Rates subject to change without notice. Each Annual Percentage Rate (APR) calculation is based on a $300,000.00 mortgage at a 25 year amortization, assuming an appraisal fee of $300 (which includes fees associated with determining the value of the property). If there are no additional cost of borrowing charges, the APR and the interest rate will be the same. If additional fees apply, the APRcould increase. The APR assumes the interest rate does not vary over the term. Variable mortgage interest rates will change when the Coast Capital Savings Prime Rate changes. The fixed mortgage APR is compounded semi-annually, not in advance. The variable mortgage APR is compounded monthly, not in advance.
  4. Valeyo is a marketer of creditor insurance underwritten by Canadian Premier Life Insurance Company and insurance-related products. This product may not pay off your entire 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.
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