MORTGAGES

Members Get It® Mortgages

Turn your dream home into a reality

You get more than just a mortgage at Coast Capital. You get the right mortgage through great rates and expert advice that’s in your best interest.

We make becoming a homeowner even easier with our Help Extras™ which includes a $1000 cash bonus when you start a new mortgage with Coast Capital3.

Apply online, book an appointment at a nearby branch or call our Mortgage Team at 1.888.517.7749 to get pre-approved today.


Featured rates
1.77%APR5-Year Variable *
1.85%APR5-Year Fixed *

Check out our other mortgage rates.


I am looking for:
Variable Rate - Closed1
1.75 % 5-Year Term


Features:
  • Interest rate varies with prime
  • Your monthly payments stay the same for the term
  • You can convert to any closed fixed rate mortgage term equal to or exceeding the then remaining term
  • Pay up to 20% of the principal once a year
Best for you if:
  • You want the flexibility of switching to a fixed rate mortgage
Fixed Rate - Closed1
1.84 % 5-Year Term


Features:
  • Provides stability with a fixed rate and payments for the life of the term
  • Choose from 1 to 10-year terms
  • Lower rates than an open mortgage
  • Pay up to 20% of the principal once a year
Best for you if:
  • You don't want to worry about rate changes
Variable Special Insured Rate
1.70 % 5-Year Term

Features:
  • Special rate for those with a down payment less than 20%
  • Interest rate varies with prime
  • Your monthly payments stay the same for the term
  • You can convert to any closed fixed rate mortgage term equal to or exceeding the then remaining term
  • Pay up to 20% of the principal once a year
Best for you if:
  • Your down payment is less than 20%
  • You have or will set up your direct payroll deposit into a chequing account
  • You have or will set up a pre-authorized credit into an investment account
Fixed Special Insured Rate - Closed5
1.74 % 5-Year Term

Features:
  • Special rate for those with a down payment less than 20%
  • Provides stability with a fixed rate and payments for the life of the term
  • Choose from 1 to 10-year terms
  • Lower rates than an open mortgage
  • Pay up to 20% of the principal once a year
Best for you if:
  • Your down payment is less than 20%
  • You don't want to worry about rate changes
  • You have or will set up your direct payroll deposit into a chequing account
  • You have or will set up a pre-authorized credit into an investment account

Get $1000 with Help Extras™

No need to choose between homeownership and saving, because Members Get It Mortgages come with Help Extras4. With a new mortgage with a term of 3 years or more, you’ll get a $1000 cash bonus3. If you’re looking for ways to make the most of your $1000, check out our great investment options.

Members Get It Mortgage™

Get a reduced rate to help cover the costs of CMHC or insurance with Sagen™, plus a $1000 cash bonus through Help Extras3.

$500 Towards Your Fees
In addition to the Help Extras cash bonus, we’ll cover $500 worth of legal and appraisal fees4.

Invest your Help Extras™

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. We’ll also help you select your Help Extras.
Step 3

Finalize your mortgage.

Get started

Mortgage questions? Let's chat.
Call us at 1.888.517.7749 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.

*Closed, residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. Rates subject to change without notice. The fixed mortgage Annual Percentage Rate (APR) is compounded semi-annually, not in advance. The variable mortgage APR is compounded monthly, not in advance. 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.


† For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR. 

    1. Closed, residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. Rates subject to change without notice.
    2. Initial interest rate and APR, compounded monthly.
    3. 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 one 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.
    4. Subject to approval.
    5. For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR.