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Today's rates
Please Note: Rates are only valid where subject property is located.

Vancouver Mortgage Rates

Tougher times, better rates.

Vancouver’s real estate market is easing out of tougher times, as population growth and a stronger job market are expected to bring an increased demand for homes. And while Vancouver’s economy will continue to face challenges, its housing market remains competitive, allowing many options for home, income or investment purposes.
 

At True North Mortgage, we offer you the best of bank and broker. Our mortgage brokers in Vancouver can provide the lowest mortgage rates possible. And our convenient locations and service means you always receive friendly, unified support for a stress-free mortgage process.
 

The best mortgage rates, always.

True North Mortgage can offer you lower mortgage rates in Vancouver and surrounding area, even from your own bank—thanks to our volume discount. You can sit back, while we do the haggling and get your rate as low as it can go, fitting it with the best mortgage solution for your needs.
 

Hold your low rate, before it goes up.

Contact us today to hold your low Vancouver mortgage rate for up to four months (depending on the lender)—before it fluctuates. When ready, take your low rate and our flexible mortgage options, and save thousands on your investment.
 

Exceptional service, flexible options.

True North Mortgage is one of the most trusted mortgage brokers in Vancouver. Highly-trained, our specialists know the ins and outs of the market, all the rules, and have strong, established relationships with accredited lenders. We provide you with answers and lower Vancouver mortgage rates to save time and money. Visit, call or apply online today.
 

Visit our Vancouver location today

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 3.04%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: 2.99%

  • 25yr Maximum Amortization
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
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Hold your rate

2 Year

Everyday Rate: 3.19%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • 90 day hold (3.24% for 120 days)

Limited Rate: --

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Hold your rate

3 Year

Everyday Rate: 3.44%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options.
  • 90 day rate hold (3.49% for 120 days)

Limited Rate: 3.19%

  • High Ratio Only
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
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Hold your rate

4 Year

Everyday Rate: 3.54%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
  • 90 day hold (120 days @ 3.59%)

Limited Rate: 2.99%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments. 
  • Region restrictions may apply. 
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Hold your rate

5 Year

Everyday Rate: 3.64%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed
  • 15% increase to regular payments
  • 30yr amortizations at 3.69%

Limited Rate: 3.09%

  • High Ratio Purchase Only
  • 20%/20% pre-payment options
  • Bona-fide Sales Clause
  • Must close within 80 days
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Hold your rate

10 Year

Everyday Rate: 4.19%

  • Refinancing available. 
  • 25 year amortization.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 3.79%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Hold your rate

Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.75%

  • Prime -.95% (based on prime rate of 3.85%)
  • 25 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 
  • 30yr amortizations at 2.85%

Limited Rate: 2.40%

  • Prime -1.30%
  • High Ratio Purchase Only
  • Bona fide sales clause
  • Must close in 40 days
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Hold your rate

Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.95%

  • Prime +0.50%

Limited Rate: --

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