Personalized advice homebuyers 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—particularly how much you can afford. Our pre-qualification tool takes the guesswork out of your mortgage search.

Take your first step towards making homeownership a reality.

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 our Mortgage Advisor? Connect with us online or call 1.888.517.7749.


Explore our great mortgage rates.

Switching your mortgage to Coast Capital allows you to renew or refinance your mortgage at a great rate and flexible terms. We'll even hold your rate for 90 days. Ask us how.

6.91% APR3

5-Year Variable Mortgage 

5.91% APR3

5-Year Fixed Mortgage 

Check out our other mortgage rates.

GET PRE-QUALIFIED

Get up to $1,500 when you get a Members Get It®Mortgage.2,3

Start by pre-qualifying to understand how much you can afford to mortgage.

Get Prequalified

$1,000 Help Extras cash bonus.1

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

$500 cash bonus towards your fees.3

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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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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High-Ratio Mortgages
For a limited time, get a up to $3,0002,3 when you get a 5-year fixed high-ratio mortgage.
  • 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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First Home Savings Account (FHSA)
Take advantage of the tax benefits of an FHSA when saving for your first home.

AVAILABLE NOW

  • Save on taxes with deductible contributions. The lifetime limit is $40,000, with an annual limit up to $8,000
  • Grow your savings and investments tax-free in your FHSA
  • Carry forward unused contribution, so you can invest in your goals when it’s right for you
  • Withdraw funds tax-free when used for a qualifying first home purchase
  • Available in savings deposits, GIC, and mutual funds
LEARN MORE
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We've answered your most popular FAQs.

A pre-qualification gives you a calculated estimate of the total mortgage amount that they would qualify for, which helps you determine the 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.


Need coverage if the unexpected happens?

Ask us how you could help protect your mortgage payments if the unexpected happens with optional creditor insurance through our partnership with Valeyo4.

Learn more

Need coverage if the unexpected happens?

Ask us how you could help protect your mortgage payments if the unexpected happens with optional creditor insurance through our partnership with Valeyo4.

Learn more
Want to speak with a Mortgage Advisor?

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


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.