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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.” 

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-year variable (closed)

Rates effective March 20, 2024.

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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
PO Box 3729
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
PO Box 159
New Hazelton, BC
V0J 2J0
250 842-2255

Houston and District Branch

2365 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
PO Box 1029
Burns Lake, BC
V0J 1E0
250 692-7761

1139 Main Street
PO Box 2380
Smithers, BC
V0J 2N0
866 811-1110

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-7936


3350 10th Street
PO Box 369
Houston, BC
V0J 1Z0
866 811-1115

2367 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7977

3872 1st Avenue
PO Box 3637
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

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

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