Get one of Canada’s lowest advertised mortgage rates*
Plus, up to $4,600 cash bonus with your mortgage and qualifying products.†
We help make homeownership real.
Here are a few ways we're helping to make homeownership more affordable

for every stage of your journey. Talk to us over the phone or we can even come to you.
A cash bonus up to $4,600†
Get up to $4,600 when you switch your existing mortgage to Coast Capital.†
Get member-preferred rates and a cash bonus up to $4,600 when you switch your existing mortgage to Coast Capital and get qualifying products.†
Get up to $4,100 when you get a new mortgage at Coast Capital.†
Get member-preferred rates and a cash bonus up to $4,100 when you get a Coast Capital mortgage and qualifying products.†
One of Canada's lowest advertised 5-Year Fixed High-Ratio Mortgage rate and other great rates.*
4.01% APR1
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%.
4.16% APR1
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%.
Expert Mortgage Advisors to help create a personalized plan you can feel confident about

Financial decisions should be specific to your income, your lifestyle, and your goals. We can help you assess your needs objectively.

Creating a personalized plan is just as important as locking in a great interest rate. We can help you find the right balance between your lifestyle and your financial wellbeing.

There’s a lot of jargon crammed into mortgage descriptions. We can explain all the inner details of our mortgage products to help figure out which one is right for you.

Working with your mortgage specialist doesn’t have to end once you sign on the dotted line. We can help manage your mortgage and other related products over the long term.
See cash bonus details below
Principal |
Help Extras Bonus |
Legal and Appraisal Bonus |
Maximum Total Cash Bonus |
||
---|---|---|---|---|---|
Mortgage + Fewer than 2 Qualifying Products |
Mortgage + 2 Qualifying Products |
Mortgage +3 or more Qualifying Products |
|||
Less than $100K |
$0 |
$0 |
$0 |
$0 |
$0 |
$100K - $299.99K |
$0 |
$250 |
$500 |
$0 |
$500 |
$300K - $499.99K |
$0 |
$250 |
$500 |
$500 |
$1,000 |
$500K - $749.99K |
$1,000 |
$1,250 |
$1,500 |
$500 |
$2,000 |
$750K - $999.99K |
$1,600 |
$2,100 |
$2,600 |
$500 |
$3,100 |
$1MM or more |
$2,100 |
$2,850 |
$3,600 |
$500 |
$4,100 |
Principal Balance |
Help Extras Bonus |
Legal and Appraisal Bonus |
Maximum Total Cash Bonus |
||
---|---|---|---|---|---|
Mortgage + Fewer than 2 Qualifying Products |
Mortgage + 2 Qualifying Products |
Mortgage +3 or more Qualifying Products |
|||
Less than $100K |
$0 |
$0 |
$0 |
$0 |
$0 |
$100K - $299.99K |
$0 |
$250 |
$500 |
$0 |
$500 |
$300K - $499.99K |
$0 |
$250 |
$500 |
$1,000 |
$1,500 |
$500K - $749.99K |
$1,000 |
$1,250 |
$1,500 |
$1.000 |
$2,500 |
$750K - $999.99K |
$1,600 |
$2,100 |
$2,600 |
$1,000 |
$3,600 |
$1MM or more |
$2,100 |
$2,850 |
$3,600 |
$1,000 |
$4,600 |
Connect with a Mortgage Advisor today.
*As of March 14, 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.
†See full Mortgage Cash Bonus Promotion terms and conditions.
1. 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 changes, the APR and the interest rate will be the same. If additional fees apply, the APR could increase. The APR assumes that the interest rate does not vary over time.