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Mortgage Rates
To take advantage of these rates, call us at 1.888.517.7000 Mon-Sat, 8am-8pm or visit a Coast Capital Savings branch.
| Featured Mortgage Rates | Rate effective 11-Jan-21 |
|---|---|
| Members Get It™ Mortgages Featured 5-Year Variable | 1.650% 3 |
| Members Get It™ Mortgages Featured 5-Year Fixed | 1.840% 1,2 |
| 5-Year Variable Special Insured | 1.490% 10 |
| 5-Year Fixed Special Insured | 1.660% 11 |
| Fixed Rate Mortgages | Rate effective 11-Jan-21 | |
|---|---|---|
| Mortgage Terms | Up to 25 Year Amortization | More than 25 Year Amortization |
| 1-Year Fixed Rate - Open | 3.740% 2 | 3.840% 2 |
| 1-Year Fixed Rate - Closed | 2.240% 2 | 2.340% 2 |
| 2-Year Fixed Rate - Closed | 1.990% 2 | 2.090% 2 |
| 3-Year Fixed Rate - Closed | 1.890% 2 | 1.990% 2 |
| 4-Year Fixed Rate - Closed | 1.890% 2 | 1.990% 2 |
| 5-Year Fixed Rate - Closed | 1.840% 2 | 1.940% 2 |
| 5-Year Fixed Insured Rate - Closed | 1.660% 2,7,8 | Not Offered |
| 5-Year Fixed Special Insured Rate - Closed | 1.660% 11 | Not Offered |
| 6-Year Fixed Rate - Closed | 2.490% 2 | 2.590% 2 |
| 7-Year Fixed Rate - Closed | 2.440% 2 | 2.540% 2 |
| 8-Year Fixed Rate - Closed | 4.140% 2 | 4.240% 2 |
| 9-Year Fixed Rate - Closed | 4.190% 2 | 4.290% 2 |
| 10-Year Fixed Rate - Closed | 2.740% 2 | 2.840% 2 |
| Variable Rate Mortgages | Rate effective 11-Jan-21 |
|---|---|
| 1-Year Variable Rate - Open | 3.150% 6 |
| 5-Year Variable Rate - Closed (Up to 25 Year Amortization) | 1.650% 3 |
| 5-Year Variable Rate - Closed (More than 25 Year Amortization) | 1.750% 3 |
| 5-Year Variable Insured Rate - Closed | 1.490% 9 |
| 5-Year Variable Special Insured Rate - Closed | 1.490% 10 |
| Prime Rate | Rate | Date of change |
|---|---|---|
| CCS Prime | 2.450% | 31-Mar-20 |
- For residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. Interest rates subject to change without notice.
- Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
- Initial interest rate and the APR on a 5-year variable, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
- High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
- Initial interest rate and the APR on a 5-year Half & Half Rate mortgage, closed mortgage, calculated monthly. The Half & Half Rate is a variable rate. When the Coast Capital Savings prime rate goes up or down, the Half & Half Rate goes up or down by one-half of the change in the prime rate. APR fluctuates with Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
- Initial interest rate and the APR on a 1-year variable rate, open mortgage, compounded monthly. If fees or charges apply, the APR could increase. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate.
- High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible.
- For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Additional fees may apply, and Annual Percentage Rate (APR) could increase. Rates subject to change without notice. Initial interest rate and APR compounded monthly.
- Initial interest rate and the APR on a 5-year variable, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase. For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Rates 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.
- 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.
- 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.
