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Meet with a Mortgage Advisor to secure a rate and personalized plan.
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Connect with a Mortgage Advisor to see if a fixed rate mortgage is right for you.
Book appointment
Meet with a Mortgage Advisor to secure a rate and personalized plan.
Book appointment

What is a fixed rate mortgage?

A fixed rate mortgage gives you peace of mind that your interest rate and payments will stay the same throughout the mortgage term, no matter how the prime rate fluctuates.

  • Consistent interest rate and payments throughout the mortgage term
  • Predictable allocation between interest and principal
  • Available in various term lengths in closed or open terms
  • Flexible payment options to be mortgage-free faster
  • Potential to unlock borrowing options with HomeownerFlex
Speak to a Mortgage Advisor

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.

4.22 %APR APR2

3-Year Fixed Mortgage3-Year Fixed Mortgage - Mortgage features include stability with a fixed rate and payments throughout the mortgage term.

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%.

Mortgage Advisors will help you customize a mortgage that’s right for you

Together, you’ll review the features, rates and terms of your loan.

Mortgage term length

Available in 1 to 10 year terms. Choose a rate and duration that suits you and your future plans

HomeownerFlex

Coast Capital mortgages come with the ability to use your home equity for additional borrowing options. Learn more.

Payment options

Flexible and competitive extra payment options to help you get mortgage-free sooner.

High-ratio rates

Rates specifically for buyers who have a downpayment less than 20% and require mortgage insurance.

Pre-payment options

Make a pre-payment of up to 20% of the mortgage amount annually.

Optional Creditor Insurance

Through our partnership with Securian Canada 3, protect your payments with if the unexpected happens. Learn more.

A fixed rate mortgage may be right for you if...

  • CheckmarkThe idea of potential rate fluctuations makes you uncomfortable
  • CheckmarkYou prefer your interest payments and amortization to be consistent
  • CheckmarkYou need peace of mind your payment won't change during your term

A fixed rate mortgage may not be right for you if...

  • Cross iconYou prefer a rate that fluctuate with the prime rate
  • Cross iconYou want to take advantage of potential drops in interest rates
  • Cross iconThere is potential for you to break your term in the next 5 years

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.