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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.

4.46% APR2

5-Year Variable High-Ratio MortgageInterest 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%.

4.11% APR2

5-Year Fixed High-Ratio MortgageMortgage 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%.

4.56% APR2

5-Year Variable MortgageInterest 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.

4.21% APR2

5-Year Fixed MortgageMortgage 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%.

Get pre-qualified in under three minutes

Purchasing a different or additional home is less stressful when you confirm the amount you could quality for in advance. When you submit a pre-qualification, you'll be contacted by a Mortgage Advisor who can help you confirm the amount you can mortgage. This will make your home shopping journey easier, especially when you need to make a quick offer.

Get pre-qualified in under three minutes, with no impact on your credit score. Having the below info will help make your pre-qualification more accurate:

  • Annual income
  • Monthly debt payments
  • Approximate monthly expenses
Get pre-qualified

Buying a second property or your next home? Here are some things to keep in mind:

  • Are you considering a rental suite?
  • How easily can you access your vacation property in an emergency?
  • Will you be using equity from your current home?
  • Do you have an existing mortgage to consider with the purchase of your next home?

The benefits of a Coast Capital mortgage

Lower rates

Coast Capital members get access to one of Canada's lowest advertised rates1.

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Expert advice

Our mortgage advisors are with you every step of the way. We’re here to help you find creative solutions that will get you to your homebuying goal faster.

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Convenient banking

Simplify your life further by choosing to bank where your mortgage is. We offer chequing, savings, and online accounts.

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Real impact

Just by being a member, you're helping us build a more resilient Canada. Since 2000, we've reinvested $100 million back into the communities we live, work and serve in.

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Flexible mortgage products designed 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
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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

Want coverage if the unexpected happens?

With optional creditor insurance3, you can rest assured that if unplanned events happen, you and your loved ones will have help paying off or reducing outstanding balances on lending products like your mortgage, personal loans or lines of credit.

Learn more

*Offered through our partnership with Securian Canada‡

Connect with a Mortgage Advisor today

Find a Mortgage Advisor >

Call at 1.888.517.7749 >

1. As of January 10, 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. Securian Canada 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.