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Meet with a Mortgage Advisor to secure a rate and personalized plan.
Book appointment
Meet with a Mortgage Advisor to secure a rate and personalized plan.
Book appointment
Meet with a Mortgage Advisor to secure a rate and personalized plan.
Book appointment

Get a member-preferred rate and expert advice

Our 5-Year Fixed High-Ratio Mortgage is one of Canada’s lowest advertised mortgage rates.1 Connect with a Mortgage Advisor to learn more about our great rates.

4.31% APR2

5-Year Variable High-Ratio Interest rate varies with prime. This mortgage can convert to a fixed rate at any time, penalty-free and is for those with a downpayment of less than 20%.

4.21% APR2

5-Year Fixed High-Ratio Mortgage features include stability with a fixed rate and payments throughout the mortgage term. This rate is for those with a downpayment of less than 20%.

4.41% APR2

5-Year Variable Interest rate varies with prime. This mortgage can convert to a fixed rate at any time, penalty-free and is for those with a downpayment of 20% or more.

4.31% APR2

5-Year Fixed Mortgage features include stability with a fixed rate and payments throughout the mortgage term. This rate is for those with a downpayment of less than 20%.

Secure your mortgage with us and get up to $15003,4

Up to $1,000 Help Extras cash bonus.3

Get up to $1,000 Help Extras cash bonus when you switch your mortgage to Coast Capital.

$500 cash bonus towards your fees.4

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

Meet our Mortgage Advisors

Our mobile team of Mortgage Advisors are ready to help you in-branch, over the phone or they can even come to you.

Tell us how we can help with your homebuying goal and choose an advisor that's in your area.

Book appointment

Choose the mortgage solution that’s right for you

A Mortgage Advisor will guide and help you customize your mortgage.

Fixed Rate Mortgages
Peace of mind knowing your rate won’t change for your entire term.
  • No rate fluctuations during your term
  • Available in 1 to 10 year terms
  • Be mortgage-free sooner with extra payment options
  • Additional borrowing options with HomeownerFlex
Learn more
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Variable Rate Mortgages
Get the flexibility of a prime-based rate.
  • Rate changes as prime rate changes
  • Available in a 5 year term
  • Be mortgage-free sooner with extra payment options
  • Switch to a fixed rate term at any point, without penalty
  • Additional borrowing options with HomeownerFlex
Learn more
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Construction Mortgages
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 an appointment
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Home Equity Line of Credit
Leverage your home equity for renovations, funding investments, or consolidating debt, all at a lower interest rate than a regular loan.
  • Access up to 65% of the value of your home
  • Only pay interest† on the amount used
  • Access money through your chequing account, debit card, cheques, or in branch
  • Pay down the balance any time, and then use it again when you need to
Apply now
† Read terms and conditions.

Terms and Conditions.

† Rate and approval based on risk profile.

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Ready to get started? Chat with a Mortgage Advisor today.
Book appointment
or call us at 1.888.517.7749

Founded on purpose, driven by impact

We’re on a mission to help more people reach their homeownership goals

Adopting a social purpose business model, our goal is for people and businesses in Canada to have more access to financial opportunities and ways to grow their income. When it comes to homeownership, many people are struggling to save enough or facing barriers to sustainable employment.

So we're investing in products and local partner programs that make education, employment and financial well-being more accessible and inclusive. Like our Elevate Chequing Account, that comes with a bonus free license5 to Coursera's online training that can help advance your career and potentially make more money.

Read about our purpose in action

Connect with a Mortgage Advisor today

Find a Mortgage Advisor >

Call at 1.888.517.7749 >

1. As of February 7, 2025, Coast's advertised rate on a 5-year fixed high ratio mortgage is lower when compared to the average of the 5-year fixed high ratio mortgage rates advertised by the big five banks, based on independent external third-party market research.

2. APR calculation is based on a $300,000 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 that the interest rate does not vary over time. Rates are subject to Coast Capital's standard lending criteria.

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 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.

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. 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. Coursera is an online learning platform offering multiple continuing education opportunities from leading universities and institutions. The products offered by Coursera can, but do not guarantee to, help users advance, relaunch, or improve their earning potential in their careers. On the Coast Capital Elevate Chequing Account, a primary account holder will receive one (1) free Coursera for Business license for the account holder’s personal use. This license will be associated with the primary account holder’s email address on Coast Capital’s records. Only one (1) license can be associated with an email address to open a Coursera account, and if a primary account holder opens two (2) or more Coast Capital Elevate Chequing Accounts, the primary account holder must provide a unique email for each Account in order to receive one (1) license per each opened Account. A license will be valid for the period the primary account holder maintains a Coast Capital Elevate Chequing Account in good standing. A license has a monetary value of CAD 538 per year or a monthly monetary value of CAD 79 as of January 1, 2024. No substitutions will be allowed. Coast Capital may allow, at its sole discretion, transfers of a license to another individual as decided by the primary account holder. The license may be subject to content, course, and program exclusions or limitations at the sole discretion of Coursera. The use of the license will be exclusively subject to Coursera’s terms, conditions, and policies. Details regarding Coursera’s products, terms, conditions, and policies can be found at https://www.coursera.org/