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Mortgages

Owning your own home doesn’t have to be a dream.

Flexible mortgage options that adapt to your needs

Let local decision-making and expert advice take the stress out of life's biggest purchase.

  • Local market knowledge
  • Mobile mortgage specialist
  • Full range of term lengths
  • Fixed or variable interest rates
  • Open or closed mortgage options
  • Flexible repayment options

Get to know all your mortgage options

Whether you’re getting ready to buy your first home or want to refinance or renew a mortgage, you’ve come to the right place.

Buying your first home

Guide to buying a home

Trust our experts to help you get the right mortgage that fits your needs and budget.

Read the guide Apply now
Renewing & refinancing

Renewing and refinancing your mortgage

Pay down your mortgage faster or free up funds for renovations. You have options.

Read the guide Apply now

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Custom mortgages to fit you

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
  • Choose from open or closed mortgage options
  • Get a mortgage for a home you are building or your dream cabin
  • Protect against the unexpected with mortgage payments protection 

Make an appointment Apply now

Photo credit: Marty Clemens

Mortgage rates

Interest rates for popular mortgages

5-year fixed (closed)

5.34

5-year variable (closed)

3.35

Rates effective June 27, 2022.

VIEW ALL RATES
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Building your dream home?

Build and buy in one mortgage. Get approved for the cost of your build or appraised value. Hand in invoices as your new home takes shape. 


  • Up to one year for completion
  • Interest-only payments during construction
  • Do it all in one mortgage document

Speak to an advisor Apply now
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Looking for a different mortgage?

Your home is as unique as you. Find the mortgage that suits your needs with our many options and expert advice

  • High-ratio (up to 95%)
  • Equity take-out
  • Recreational
  • Bridge financing and undeveloped property

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Getting started is easy

Our advisors can guide you through all your options. A mobile mortgage manager can even meet you at your home to go through the details.


Make an appointment 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.

Copyright © Bulkley Valley Credit Union, 2022