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Switch your mortgage
to Coast Capital.

MORTGAGES

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A mortgage worth switching for.

Put more towards your home and less towards interest when you switch your mortgage to Coast Capital. We offer great rates, plus get up to $1,500 cash when you switch to an eligible mortgage1,2.

Our Mortgage Advisors are ready with personalized advice to help you achieve what matters to you, like living mortgage-free sooner.

Not sure what you can afford? Explore your options with our mortgage calculator.

Talk to us today.

Get in touch with our Mortgage Advisors online or call 1.888.517.7749 to start your mortgage application. We'll even hold your rate for 90 days. Ask us how.

GET STARTED

Already have a mortgage but looking to buy a new home? Learn more

Explore our great mortgage rates.

Switching your mortgage to Coast Capital allows you to renew or refinance your mortgage at a great rate and flexible terms. We'll even hold your rate for 90 days. Ask us how.

6.51% APR3

5-Year Variable High-Ratio Mortgage 

5.21% APR3

5-Year Fixed High-Ratio Mortgage 

6.61% APR3

5-Year Variable Mortgage 

5.41% APR3

5-Year Fixed Mortgage 

Check out our other mortgage rates.

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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.
Flexibility Flexibility
Select a payment schedule that fits your budget. Pay down your mortgage faster by increasing the payment amount.

Get up to $1,500 when you switch to a Members Get It® Mortgage.

Up to $2,500 Help Extras cash bonus.2

For a limited-time, get up to $2,500 Help Extras cash bonus when you get a 5-year fixed high-ratio mortgage.

$500 cash bonus towards your fees.3

In addition to the Help Extras cash bonus, we’ll cover up to $500 of legal and appraisal fees.

If you’re looking for ways to make the most of your $1000, check out our great investment options.


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
Learn more
Construction Mortgage
Building your own house? Get financing at every stage of your build.
  • Get advances to pay for the cost of building
  • Make interest-only payments up to 18 months
  • Agree on the term upfront
  • Are you building a house for sale? Click here for more detail
LEARN MORE
Reverse Mortgage

Access the equity that already exists in your home by turning a portion of it into an additional source of cash3. Tax and payment free.

  • Flexible term rates, amounts and personalized advance types
  • Minimum home value of $250,000 and aged 55 years and over
  • Consolidate your debt and right-size your home

Call our Lending Team at 1.888.517.7749
Members Get It® Mortgages

Our members get more with Members Get it Mortgages. You’ll get a great rate and a $1000 cash bonus1 through Help Extras™ when you switch to an eligible mortgage with us today.

On your path to homeownership, you can make the most of your $1000 Help Extras cash bonus by investing it in our non-registered or registered accounts such as an RRSP, RESP or TFSA.


Construction Mortgage
Building your own house? Get financing at every stage of your build.

  • Get advances to pay for the cost of building
  • Make interest-only payments up to 12 months
  • Agree on the term upfront
  • Are you building a house for sale? Click here for more detail

Talk to a Mobile Mortgage Specialist
Reverse Mortgage

Access the equity that already exists in your home by turning a portion of it into an additional source of cash**. Tax and payment free.

  • Flexible term rates, amounts and personalized advance types
  • Minimum home value of $250 and aged 55 and over
  • Consolidate your debt and right-size your home
Call our Lending Team at 1.888.517.7749

Members Get It® Mortgages
Get more with our mortgages including a great rate and up to $1,500 cash bonus with eligible mortgages.†,‡
  • New mortgages with a term of 3 years or more receive $1,000 in Help Extras® and up to $500 towards legal and appraisal fees.
  • Put your cash bonus toward investment products such as term deposits in non-registered or registered accounts such as an RRSP, RESP or TFSA
BOOK APPOINTMENT
† Read terms and conditions.

Terms and Conditions.

† 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. Coast Capital Savings may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. Other conditions will apply.Contact usfor details.

‡ 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.

Close
Construction Mortgage
Building your own house? We’re here to help. Get financing at every stage of your build.
  • Get advances to pay for the cost of building
  • Make interest-only payments up to 18 months
  • Agree on the term upfront
Book appointment
Close
Reverse Mortgage†
Access the equity that already exists in your home by turning a portion of it into an additional source of cash. Tax and payment free.
  • Flexible term rates, amounts and personalized advance types
  • Minimum home value of $250,000 and aged 55 years and over
Call our Lending Team at 1.888.517.7749
† Read terms and conditions.

Terms and Conditions. † Read Reverse Mortgage terms and conditions here.

Close

Ready to switch your mortgage to Coast Capital? Here’s how to get started.

Get started.

Contact us to start your mortgage—our advisors will guide you through the process. 

Customize your mortgage.

We’ll help you complete an application, customize your rate and terms and we’ll hold your rate for 90 days. You’ll need these documents for your application.

Finalize your mortgage.

Our team will take care of all the final details and complete your mortgage.

Ready to take the first step?

Get in touch with our Mortgage Advisors online or call 1.888.517.7749.

GET STARTED 

Protect your payments if the unexpected happens.

We offer optional creditor insurance through our partner Valeyo4 to give you and your family the peace of mind that your financial debts, like mortgages, personal loans or lines of credit, will not become a burden in the event of unforeseen circumstances.

It's protection you can count on.

LEARN MORE

Protect your payments if the unexpected happens.

We offer optional creditor insurance through our partner Valeyo4 to give you and your family the peace of mind that your financial debts, like mortgages, personal loans or lines of credit, will not become a burden in the event of unforeseen circumstances.

It's protection you can count on.

LEARN MORE

Mortgage advice that’s available 24/7.

No matter where you’re at in your mortgage journey, we have an entire collection of helpful articles to help you live the real life you want. Explore our first-time homebuyers manual, popular mortgage FAQs and more.

READ ARTICLES

Mortgage advice that’s available 24/7.

No matter where you’re at in your mortgage journey, we have an entire collection of helpful articles to help you live the real life you want. Explore our first-time homebuyers manual, popular mortgage FAQs and more.

READ ARTICLES

Other helpful mortgage options.

Here are other mortgage options we’ll go over with you when you get a mortgage from Coast Capital Savings

Multi-purpose Mortgage

With a Multi-Purpose Mortgage, you can split your mortgage into sections, each with its own term length and interest rate. You can borrow up to 80% of your homes equity, make advances any time, and pay the registration and legal fees once, no matter how many times you dip into it.

Mortgage Portability

Porting your mortgage allows you to transfer your existing mortgage to a new property and remain with Coast Capital Savings. As long as you meet certain requirements, you can keep your existing interest rate and term without paying a prepayment penalty.

Mortgage Insurance

Through our partners at Valeyo‡, we offer life and disability insurance for your mortgage which protects you from losing your home if you're unable to make mortgage payments due to injury, illness or death.
Learn more

Automatic Deposits and Payments

Make deposits into your chequing or savings account at a regular frequency. You can also set up automatic bill payments.

Learn more

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.

GET STARTED

Helpful Resources

Like what you see? Here's more.

MANAGING YOUR MONEY
When should you consider refinancing your mortgage? 
Refinancing your mortgage can leave you in a much better financial situation. Read up and find out how.
Read article
MANAGING YOUR MONEY
How porting your mortgage can save you money
Porting your mortgage is a beneficial feature to have at any given time. Why? We'll break it down for you.
Read article
MONEY HELP
Planning like a boss to afford that mortgage
‘Tis mortgage season and people are hunting for that perfect home. But affordability remains a challenge. How do you afford a home and find a mortgage that works for you?
Read article
Take advantage of our rates and offers today.
Get in touch with our Mortgage Advisors online or call 1.888.517.7749. We’ll get you started and help every step of the way.


GET STARTED
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  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. Coast Capital Savings may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. 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 APRcould 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. Valeyo is a marketer of creditor insurance underwritten by Canadian Premier Life Insurance Company and insurance-related products. This product may not pay off your entire obligation. Any benefits will be payable to your creditor. Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contact your Coast Capital Savings lender.