You’re more powerful than you know.

Our ambition is to make Vancity net-zero by 2040 across all our mortgages. It's another way you can invest what matters most.


Rates as low as 4.64%* when you pre-qualify or apply for an insured mortgage in-person today. 3-year and 5-year terms available. Terms & conditions apply.

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Mortgages to build the world we want.

We strive to provide mortgage options that make home ownership more affordable, accessible and sustainable.

Mixer Mortgage™

Home ownership doesn’t need to feel out of reach. With our Mixer Mortgage, you can share the costs with a partner, family members, roommate or friends.

Explore Mixer Mortgage

Construction mortgage

Build an energy efficient home with a mortgage that streamlines planning, simplifies repayments and funds construction as it happens.

Explore construction mortgage

Laneway house mortgage

Support with closing costs, a home appraisal and other features make it easier to add housing to established neighbourhoods with laneway homes.

Explore laneway mortgage

First Nation land home loan

Our customized financing options respect the unique housing requirements and policies needed to make housing more accessible in First Nations communities.

Explore First Nation land home loan

Planet-Wise™ teardown financing

If you’re tearing down a home to build a new one or undertaking a renovation, this loan can help you limit the environmental impact.

Explore Planet-Wise teardown financing

Co-op home loan

With a loan to purchase co-op shares, you can make your dream of living alongside like-minded people a reality.

Explore co-op home loan

Your home equity gives you freedom.

With a home equity line of credit (HELOC), you can borrow up to 65% of your home's value at lower interest rates than a personal loan. Borrow only what you need, and use it to pay for the things that matter most to you, like:

  • Small renovations
  • Investments or mortgage pay-offs
  • Anything, really
Explore HELOC

Protection you can count on.

Rest easy knowing you're covered if the unexpected happens. Choose from these additional forms of insurance+:

  • Life coverage
  • Involuntary loss of employment coverage
  • Disability coverage
  • Critical illness coverage
View all coverage options

Take the next step.

Find a specialist near you

Interested in a new mortgage or refinancing? Browse our mortgage specialists to connect with someone in your area.

Browse our directory

Talk through your questions

For general mortgage inquiries or help with renewing your mortgage, book a time that works for you and we’ll give you a call back.

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