Coast Capital Mortgage Rates

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British Columbia Rates
PURCHASE
Fixed Rates
1 Year
3.04%
2 Year
2.79%
3 Year
2.79%
4 Year
2.84%
5 Year
2.79%
6 Year
3.44%
7 Year
3.34%
8 Year
4.14%
9 Year
4.19%
10 Year
3.69%
Variable Rates
5 Year
3.09%
REFINANCE
Fixed Rates
1 Year
3.34%
2 Year
3.29%
3 Year
3.24%
4 Year
3.34%
5 Year
3.29%
6 Year
3.74%
7 Year
3.84%
8 Year
4.14%
9 Year
4.19%
10 Year
4.19%
Variable Rates
5 Year
3.15%
RENEWAL
Fixed Rates
1 Year
3.34%
2 Year
3.29%
3 Year
3.24%
4 Year
3.34%
5 Year
3.29%
6 Year
3.74%
7 Year
3.84%
8 Year
4.14%
9 Year
4.19%
10 Year
4.19%
Variable Rates
5 Year
3.15%

About Coast Capital Rates

Coast Capital is the largest Federal Credit Union in Canada that is member-growing and regulated by the laws of the province each one operates within. There are many benefits to participating as a member of a credit union type of banking institution, as the board is made up of members that represent the best interests of all its members. Offering a wide range of investment options and mortgage services & loans, home buyers are covered not only with a mortgage product, but with alternate options like insurance (as a tip, sometimes it works out to be less expensive to place all your eggs in one basket). Coast Capital mortgage rates depends on the type of mortgage that is chosen for purchasing your new home, the mortgage market, and if you have held or are currently holding a mortgage. If you are not sure what a mortgage rate is, the simple definition is basically the percentage of interest that is charged on a mortgage loan by the lender. Do mortgage rates vary between lenders? Yes, each lender offers different 'deals' with some being regulated by the government (like Coast Capital mortgage rates) and some not regulated by the government (like private lenders mortgage rates).
Coast Capital mortgage rates and other major banks mortgage rates that are regulated by the government source their funds directly from the government to loan out, hence banks and credit unions being able to offer lower interest rates then say a private lender or mortgage brokerage companies. Home owners that want to borrow on home equity loans, or investigate mortgage refinancing, a second mortgage, or a mortgage renewal will find it less restrictive financially when dealing with a major bank or a credit union. Coast Capital mortgage rates are competitive in the financial environment and its board members work hard on behalf of your best interests and you... another member. Mortgage rates are calculated based on two main factors, the interest rate market in general and the level of risk you pose to the lender. Mortgages can be a bit complicated when a borrower has little 'hiccups' financially, does not possess an ideal down payment, has a less-than-shiny credit rating, or has fluctuations in income stability. All lenders will offer mortgage products that will perform in step with the borrower's financial situation once a home buyer's finances have been established and the interest rate combined with the principal is financially feasible monthly/annually.

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1.877.896.6727