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
1.31%APR5-Year Variable High-Ratio3
2.70%APR5-Year Fixed High-Ratio3
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 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
Get more with our mortgages including a great rate and up to $1,500 cash bonus with eligible mortgages.1,2

  • 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
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 LOC4
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

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 your mortgage.


Helpful Resources

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.

  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. 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 APR could 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. 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.