Flexible Mortgages Built Around You
Today’s Featured Rates
Rate
Type
4.29%
5-Year Fixed
3.99%
5-Year Fixed (insured)
3.89%
3-Year Fixed (insured)
Features & Benefits
Flexibility to Fit Your Life
Split your mortgage into different terms and rates to match short- and long-term plans.
Easy, Ongoing Access to Equity
As you pay down your mortgage and your home’s value grows, re-borrow from your equity without extra legal fees—ideal for upgrades or big plans.
One Setup. Many Options
With a single registration, manage multiple loan options—like a line of credit or renovation loan—under one mortgage for future convenience.
Renew Early
Renew your mortgage up to 60 days before maturity—without penalty.
Lock In Your Rate
Secure your interest rate up to 60 days in advance.*
Flexible Amortization
Choose an affordable amortization period—up to 30 years.
Prepay Up to 30%
Make additional payments of up to 30% of your original mortgage balance each year, whenever it works for you.
Skip a Payment
Life happens—enjoy the flexibility to skip one mortgage payment every year.
Increase Monthly Payments
Pay down your mortgage faster by doubling your monthly payments.
Innovative mortgage solutions for accessible homeownership
High Net Worth Mortgages
Tailored for financially strong Canadian residents, this program offers flexible financing for primary residences, vacation homes, and select rental properties in BC. Ideal for residents that demonstrate substantial liquidity and net worth, with verified assets covering at least 50% of the mortgage and one year of payments deposited with Community Savings Credit Union prior to funding.
Business Owners and Self Employed
Empowering entrepreneurs and self-employed professionals, this program offers flexible financing for primary residences, vacation homes, and select rental properties in BC. Ideal for people who have operated their business for at least two years and can provide basic financial documentation, including recent bank statements and tax confirmations. A minimum down payment is required, and gifted funds from immediate family are permitted. This mortgage is designed for Canadian residents and landed immigrants, ensuring stability and confidence for those whose income comes from their own business success.
New to Canada Mortgages
Starting fresh in Canada? We’re here to help you own your first home. This program is designed for permanent residents (less than five years in Canada) or Canadian citizens returning within the past year. Applicants require a confirmed job or employment offer and basic proof of residency. A minimum down payment of 25% is required, and gifted funds from immediate family are permitted. With flexible options and straightforward requirements, this program makes homeownership possible for newcomers ready to build their future in Canada.
*Some conditions, restrictions and qualification apply. Rates subject to change without notice.