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Making Dreams Come True

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-year variable (closed)

Rates effective March 20, 2024.

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Need lending advice?

Let us come to you

Looking for a mortgage but don't have time to come to a branch?

Our very own Tina Poohachoff is keen to travel to you. This can be to your home, office, or even over coffee. Tina is there to help a member from the Lakes District to the Hazeltons'. 

Give her a call to book a time today! 

Read more Call 250-643-7339

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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

Speak to an advisor Apply now
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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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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.

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

Copyright © Bulkley Valley Credit Union, 2022