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. Plus, after your mortgage pre-approval, we'll hold your rate for 90 days while you shop for your new home. 

Talk to us today.

Get in touch with our Mortgage Advisors online or call 1.888.517.7749. We’ll get you started and help every step of the way.

Not sure what you can afford? Explore your options with our mortgage calculator.

Already have a mortgage but looking to switch? Learn more


Explore our great mortgage rates.

Whether you’re a first-time homebuyer or buying a new home, we have the right mortgage for you.

2.51% APR3

5-Year Variable High-Ratio Mortgage 

4.06% APR3

5-Year Fixed High-Ratio Mortgage 

2.61% APR3

5-Year Variable

Mortgage 

4.16% APR3

5-Year Fixed

Mortgage 

Check out our other mortgage rates.


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®
  • Put your cash bonus toward investment products such as term deposits in non-registered or registered accounts such as an RRSP, RESP or TFSA
† 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
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
† 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-approved.

Contact us to start your mortgage pre-approval—our advisors will guide you through the process. You can also get your pre-approval started online.

Customize your mortgage.

We’ll help you complete an application, customize your rate and terms and we’ll hold your rate for 90 days. You’ll need these documents for your application.

Finalize your mortgage.

Our team will take care of all the final details and complete your mortgage.

Ready to take the first step?

Get in touch with our Mortgage Advisors online or call 1.888.517.7749.

Protect your payments if the unexpected happens.

We offer 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.

Protect your payments if the unexpected happens.

We offer 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.

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.

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.

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.
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.
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.
Take advantage of our rates and offers today.
Get in touch with our Mortgage Advisors online or call 1.888.517.7749. We’ll get you started and help every step of the way.


  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.