PERSONAL LENDING

Members Get It ® Mortgages

Reach your dream home with our great rates.

Our members get more with Members Get It Mortgages. Most importantly, you'll get a great rate.2 You also won't have to choose between homeownership and saving, because you'll get up to $1,000 to invest in Help Extras® – and more Help Extras when you renew down the road.3

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Featured Mortgage Rates (Effective 29-Mar-19)
3.04 %4-Year Fixed *
3.15 %5-Year Variable Special Insured †
I am looking for:
Promotional Fixed Rate - Closed5
3.04 % 4-Year Term


Features:
  • Provides stability with a fixed rate and payments for the life of the term
  • 4 year promotional closed fixed term
  • Pay up to 20% of the principal once a year
Best for you if:
  • You don't want to worry about rate changes
Variable Rate - Closed1
3.30 % 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
3.24 % 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
3.15 % 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 - Closed4
3.09 % 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
Moving box

What do members get?


  • Get up to $1,000 in Help Extras with new mortgages or renewals
  • Help Extras can be put toward an RRSP, RESP, Term Deposit, Tax-Free Savings Account or another investment
  • Help Extras are assigned once your mortgage is funded

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

Finalize the mortgage at a branch of your choice.


Get started

Mortgage questions? Let's chat.
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm. Or, we'll come to you.

* For new residential first mortgages only. Interest rate and approval based on risk profile. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase. Interest rate subject to change without notice.
† 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. Some conditions apply for Help ExtrasContact us for details.
  4. 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.
  5. For new residential first mortgages only. Interest rate and approval based on risk profile. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase. Interest rate subject to change without notice.