Personalized advice new homeowners can trust

We know that there’s a lot to consider when buying your first home. We'll help you feel confident every step of the way. Our team works in your best interest to make sure you find the right mortgage, features and a rate that works best for your unique financial goals.

Plus, get up to a $1,500 cash bonus when you switch to an eligible mortgage with us today1,2.

Have questions? Book an appointment at a nearby branch or call our Mortgage Team at 1.888.517.7749 to get pre-approved today.

Featured rates
1.27%APR5-Year Variable High-Ratio*
2.05%APR5-Year Fixed High-Ratio*

Check out our other mortgage rates.

Get up to $1,500 with your first 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

Our members get more with Members Get it Mortgages. You’ll get a great rate and a $1,500 cash bonus1,2 when you switch to an eligible mortgage with us today.

On your path to homeownership, you can make the most of your $1,500 cash bonus by investing it in our non-registered or registered accounts such as an RRSP, RESP or TFSA.

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
  • Terms and conditions apply. Read here.
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
  • Interest3 charged only on what you use
  • Access money through your chequing account, debit card, cheques or in a branch

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.

Rates Rates
We offer mortgage rates that are as low as possible to ensure that your mortgage works for you, not the other way around.
Transparency Transparency
We will take the time to simplify all the terms and conditions so you can truly understand your mortgage agreement.
Partnership Partnership
After we find you the right mortgage, we will work with you to help pay down your mortgage faster and find financial well-being.
Flexibility Flexibility
Select a payment schedule that fits your budget. Pay down your mortgage faster by increasing the payment amount.

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 your mortgage.

Get started

Like what you see? Here's more.

Why you should talk to a mortgage specialist
A perfect mortgage is so much more than just a seductively low-interest rate. Read up on why you should always talk to a mortgage specialist.
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.
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
Call us at 1.888.517.7749 Mon-Sat, 8am-8pm; Sun 9am-5.30pm.

Read full terms and conditions here. Only closed, residential first mortgages and blend and extend mortgages with a minimum of $150,000 in new money will qualify. Interest rate and approval based on risk profile. Rates subject to change without notice. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. Each 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. 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 Annual Percentage Rate (APR) is compounded semi-annually, not in advance. The variable mortgage APR is compounded monthly, not in advance.

  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. 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. Only property purchase transactions will be eligible. 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. Rate and approval based on risk profile.