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Guide to renewing and refinancing your mortgage

Pay down your mortgage faster or free up funds for renovations. Know all your options.

Renewing your current mortgage

Take advantage of local decisions and interest rates to renew your mortgage on your terms.

Reassess your needs

The renewal process helps evaluate your current needs and make your next mortgage term benefit you.

Get a better deal

Our local advisors can help secure a better rate or explore other available options.


Change the terms

Re-evaluate your terms, payments and frequency with no or minimal penalties.


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Member story

“We were able to buy our dream home”

“We found the perfect home for our family and Tina helped get the right mortgage that worked for our finances. They made everything so easy.” - Member Name

Meet our members Talk to a mortgage advisor

Refinancing a new mortgage

Take advantage of special interest rates or take out equity for other big investments in your life.

Lower your interest rate

Taking advantage of lowered rates can help pay down debt or lower your monthly payments.

Consolidate your debts

Consolidate loans with your mortgage and save money on interest with one single monthly repayment.

Borrow money for other things

Finance your reno to add more value or use the extra funds for unexpected expenses.

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Talk to us about your mortgage

Local decision making, paired with competitive rates, means tailored mortgages designed to fit your needs by our in house experts.

  • Choose between fixed or variable interest rates—or do both
  • Flexible weekly, bi-weekly and monthly repayments
  • Life, disability, loss-of-employment and critical illness insurance available
  • Choose from open or closed mortgage options
  • Explore mortgage payment protection options

Make an appointment

Mortgage rates

Interest rates for popular mortgages

5-year fixed (closed)

5.54

5-year variable (closed)

5.20

Rates effective September 12, 2022.

VIEW ALL RATES
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Explore other ways to borrow

From a new boat to unexpected expenses, a personal loan or line of credit can help you finance life’s needs—and wants.

Learn more Apply now

Reach us wherever you are

Let your fingers do the walking or come in to see us. 

Meet with an advisor

Book the day and time that suits you.

Visit a branch

We’re open between
9:30am & 4:30pm, M-F.

Send us an email

Email a specific branch or department.

Give us a call

8am-6pm, M-F,
9am-5pm, Sat.

Smithers Branch

3894 1st Avenue
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
New Hazelton, BC
V0J 2J0
250 842-2255


Houston and District Branch

2365 Copeland Avenue
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
Burns Lake, BC
V0J 1E0
250 692-7761
BVIS

1139 Main Street
Smithers, BC
V0J 2N0
866 811-1110
BVFS

3894 1st Avenue
Smithers, BC
V0J 2N0
250 847-7936

BVIS

2367 Copeland Avenue
Houston, BC
V0J 1Z0
866 811-1115
BVFS

2367 Copeland Avenue
Houston, BC
V0J 1Z0
250 845-7977
Administration

3872 1st Avenue
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

3894 1st Avenue
Smithers BC
V0J 2N0
1 877 847-2828

Copyright © Bulkley Valley Credit Union, 2022