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Contact a Mortgage Advisor to plan your switch.
Book appointment
Contact a Mortgage Advisor to plan your switch.
Book appointment
Contact a Mortgage Advisor to plan your switch.
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-RatioInterest 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-RatioMortgage 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 VariableInterest 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 FixedMortgage 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%.

Switch your mortgage and get up to $1,5003,4

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.

Why switch your mortgage to Coast Capital?

As a member-owned cooperative, experience the difference a real financial partner makes.

Lower rates

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

Learn more

No stress test

Switching your current mortgage amount to Coast Capital is even easier with no stress test required.

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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.

Learn more

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

What to know about switching your mortgage

  • Appraisal fees and penalties: Most lenders charge a penalty fee to break your term in advance. Make sure you understand the terms of your current mortgage and ask when you can switch without a fee. We’re happy to discuss covering the costs of appraisals to bring your mortgage to Coast.
  • Legal fees: Part of setting up your mortgage includes registering Coast Capital mortgage. Ask your advisor for more information about this process.
  • 120 day rate hold: Switching a mortgage can take time. That’s why we can guarantee your member-exclusive rate for up to 120 days!
  • Getting the best rate: Coast Capital offers one of the lowest advertised rates in Canada with our 5-Year Fixed High-Ratio Mortgage1. Work with a Mortgage Advisor to get member-preferred rates.
  • A seamless switchover: Doing business with Coast Capital should be as simple and hassle-free as possible. We do everything we can to take the heavy lifting off your shoulders and act as a true partner in your homeownership journey.

Switching your mortgage is as easy as 1, 2, 3

1. Speak to a Mortgage Advisor about your current mortgage

Contact us to start your mortgage—our advisors will guide you through the process. 

2. Customize your mortgage

We’ll help you complete an application, customize your rate and terms, and we'll hold your rate for 120 days. You’ll need these documents for your application.

3. Finalize the details and transfer your mortgage

Our team will take care of all the final details and complete your mortgage.

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.