Best Vancity Mortgage Rates

Daily updated fixed & variable rates. Compare against market averages to ensure you get the best deal.

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Current Vancity Mortgage Rates

Live as of: July 2, 2026 | Canada

Customize your mortgage scenario

Adjust the purchase price, down payment, amortization, and payment frequency to see how your estimated mortgage payments change across the rate options below.

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Tip: Use the filter to compare payment impact quickly. Even a small rate difference can change your estimated payment and total interest over time.

Vancity

3.95%

Interest Rate

5 Years • Variable

5 Year Variable Mortgage

Payment & Interest Estimate

Est. Monthly Payment $1,496

Interest in 5 years $52,817

Inquire

Vancity

4.10%

Interest Rate

1 Year • Fixed

1 Year Fixed Mortgage

Payment & Interest Estimate

Est. Monthly Payment $1,520

Interest in 5 years $54,892

Interest over 1 Year $11,560

Inquire

Vancity

4.15%

Interest Rate

1 Year • Fixed

1 Year Fixed Mortgage

Payment & Interest Estimate

Est. Monthly Payment $1,528

Interest in 5 years $55,584

Interest over 1 Year $11,702

Inquire

Vancity

4.19%

Interest Rate

3 Years • Fixed

3 Year Fixed Mortgage

Payment & Interest Estimate

Est. Monthly Payment $1,534

Interest in 5 years $56,138

Interest over 3 Years $34,590

Inquire

Vancity

4.24%

Interest Rate

2 Years • Fixed

2 Year Fixed Mortgage

Payment & Interest Estimate

Est. Monthly Payment $1,542

Interest in 5 years $56,831

Interest over 2 Years $23,632

Inquire

Vancity

4.24%

Interest Rate

3 Years • Fixed

3 Year Fixed Mortgage

Payment & Interest Estimate

Est. Monthly Payment $1,542

Interest in 5 years $56,831

Interest over 3 Years $35,011

Inquire

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How Vancity Compares

While Vancity offers competitive standard rates, their real value often lies in specialized products like member-only bundles and flexible prepayment terms.

Prepayment Flexibility Allows for higher than average annual lump-sum payments compared to online-only lenders.

Local Expertise Extensive branch network for those who prefer in-person advice for complex applications.

Mortgage Qualification

Minimum 5% down payment for Vancity
Minimum credit score: 680+ recommended
Stable Canadian employment (2+ years preferred)

Am I Eligible?

Lender Intelligence

Decoding Vancity
Mortgage Solutions

As a cornerstone of the Canadian financial landscape, Vancity provides more than just capital; they provide stability. Their mortgage portfolio is engineered for homeowners who prioritize long-term security and predictable cash flow.

Institutional Strength

Backed by one of Canada's largest balance sheets, ensuring your financing is secure through all market cycles.

Portability Power

Seamlessly move your Vancity mortgage to a new property without breaking your existing term or rate.

Lump-Sum Speed

Aggressive prepayment privileges (up to 15-20% annually) allowing you to become debt-free years ahead of schedule.

Convertible Ease

The unique ability to lock in your variable rate into a fixed term instantly if interest rates begin to rise.

Not sure if Vancity is right for you?

Run Comparison Wizard

The Bottom Line

Is Vancity right for you?

Advantages

Full Service Banking Easily bundle your mortgage with chequing, savings, and credit cards for a unified experience.
Face-to-Face Advice Access to thousands of branches across Canada for personalized, in-person support.
Convertible Rates Market-leading flexibility to lock in variable rates without heavy administrative hurdles.

Considerations

Higher Posted Rates Standard "posted" rates can be higher than monoline lenders; negotiation or broker access is often key.
Stricter Approval Path As an "A-Lender," Vancity has higher credit and income requirements than private options.
Complex Penalties Breaking a fixed-rate mortgage early can result in IRD (Interest Rate Differential) penalties.