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Members Get It® Mortgages

MORTGAGES
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Turn your dream home into a reality

We make becoming a homeowner even easier with up to a $1,500 cash bonus when you switch to an eligible mortgage with us today1,2.

Get pre-approved

Have questions? Book an appointment at a nearby branch or call our Mortgage Team at 1.888.517.7749 to get pre-approved today.


Promotional Rates
6.81%APR5-Year Variable *
6.11%APR5-Year Fixed *
*Terms and conditions apply.

Check out our other mortgage rates.


I am looking for:
Promotional Fixed Rate - Closed5
2.99 % 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
6.59 % 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
5.39 % 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†
4.04 % 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
5.19 % 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
Fixed Rate – Open5
8.29 % 1-Year Term

Features:
  • Available in a 1-year term so you don't have to be afraid of commitment
  • You can switch to a closed mortgage or make additional payments any time with no penalty
Best for you if:
  • You're not ready to commit to a longer term but don't want to worry about rate changes
  • You can pay off some or all of your mortgage at any time, for no additional cost

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.



Moving box Moving box

What do members get?


  • Get up to $1,000 in Help Extras with new mortgages
  • 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

What do members get?


  • Get up to $1,000 in Help Extras with new mortgages
  • 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

Get started
Get started

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.
Talk to a Mobile Mortgage Specialist
Find a branch

* 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 Extras. Contact 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.

RRSP
For most people, an RRSP is that thing you’re putting money into to save for retirement. Think of it as a personal pension plan.
  • Can help reduce the amount of taxes you pay each year or possibly increase the size of the tax refund you will receive
  • Choose from a variety of investment options
  • We’ll issue a tax receipt right away

RESP
In a nutshell, an RESP is a government sponsored investment plan that helps you save for your child’s post-secondary education.
  • $1000 will turn into $1,200 with the help of the Basic Canada Education Savings Grant
    • The Basic Canada Education Savings Grant will give you 20% on every dollar of the first $2,500 contributed to a RESP each year
  • Plans can be individual plans or family plans

Mutual Funds
Our family of mutual funds gives you more of what you want – conservative management, simplicity and affordability. And less of what you don’t want – like fees.
  • Our own Low-fee, More-for-me Mutual Funds™ are easy to understand, affordable and are conservatively managed. Available as a non-registered investment or in registered plans like an RRSP, RESP or TFSA.
  • Mutual Funds are most helpful if:
    • you have 5-10 years to build your investments
    • you are looking for alternative investments with the potential for higher returns

Tax-Free Savings Account (TFSA)
If you're over 18, thanks to the government, you won't get taxed on the interest made on your investment, even when it's withdrawn. That's right, no taxes, from the government.
  • Investment income earned in a TFSA plan, will not be taxed even when withdrawn
  • Unused TFSA contribution room can be carried forward to future years
  • There is no maximum age limit to open or hold a TFSA
  • There's no deadline for your contributions

Term Deposits
Investment options with guaranteed returns. Whether you’re investing for the short term or the long term, we’ve got the term deposit for you.
  • Guaranteed investment returns
  • Cashable and non-cashable options to accommodate needs
  • Our rates are extremely competitive

Choose your Help Extra.

No need to choose between home ownership and saving, because Members Get It Mortgages come with Help Extras. With a new mortgage or renewal, you’ll get up to $1,000 in Help Extras towards an investment like an RRSP or Tax-Free Savings Account.

* Only closed, residential first mortgages and blend and extend mortgages with a minimum of $150,000 in new money will qualify. Interest rate and approval based on risk profile. Rates subject to change without notice. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. 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. The fixed mortgage Annual Percentage Rate (APR) is compounded semi-annually, not in advance. The variable mortgage APR is compounded monthly, not in advance.

† 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. 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. Only property purchase transactions will be eligible. 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.
  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.