Mortgage cash back

Get up to $2,500 cash back on eligible mortgages.¹

Offer expires October 31, 2024.

Don’t let fluctuating interest rates stress you out. Now is the perfect time to lock in a great rate early by getting pre‑approved or planning ahead for your mortgage renewal by switching to Vancity.

To get started, talk to a specialist about:

Getting a new mortgage Moving your mortgage

In your best interest.

When it comes to your mortgage, find an interest rate that complements your financial well-being.

Only interested in our lowest rate?

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. Cannot be combined with cashback offer.

Get this rate

See other mortgage rates

Get it done without leaving home.


Get our pros on it

Meet a mortgage specialist over the phone.


Lock it, rock it

As an existing member, you can manage documents and signatures virtually to finish your mortgage or pre-approval application and guarantee your rate for 120 days.⁵


Earn your cash back

If you open (or already have) an e Package or Total Chequing account and ensure a qualifying direct deposit is set up, you'll earn your cash back once your mortgage is funded.¹

Receive your cash back within 60 days of Vancity confirming that you have fulfilled all criteria outlined in the terms and conditions.

Give yourself a pat on the cash back.

Mortgage value

First-time homebuyers¹ cashback

Eligible mortgages only¹

Other members cashback

Eligible mortgages only¹

$100,000 to $449,999



$450,000 to $749,999



Greater than or equal to $750,000



Pro tip: Get pre‑approved.

Your dream home can present itself at any moment. Getting pre-approved means:

  • You'll know how much you can borrow and what your payments will look like.
  • Your offer will be more competitive and sellers will feel confident you can close the deal.
  • You can act fast if you need to, knowing your pre-approval is free and you are under no obligation to use it.
Talk to an expert

Why switch to Vancity?

  • You want to safeguard your sanity
    No one's saying switching a mortgage is simple. But it can definitely be hassle-free when you have the right support. With us, you always will.
  • You want the right advice
    And money-saving tips — like how switching close to the end of the mortgage term, whether you’re six months or just one month out, can help you avoid (or reduce) a mortgage prepayment penalty from your current lender.
  • You want what’s best for you and the planet
    30% of our profits go back into the community and fund initiatives that help build a clean and fair world.
Book an appointment Move your mortgage