Rate guide · British Columbia · data as of 2026-10-16

Best mortgage rates in British Columbia

The lowest mortgage rates from the lenders that serve British Columbia, eligibility-checked before they're listed.

See top rates ↓ · All mortgage rates

Current lowest3.89%Lake View Credit Union

Lowest 5-year fixed rates in British Columbia

The benchmark 5-year fixed closed term, lowest first — one row per lender.

  1. 1Lake View Credit Union5-year fixed closed · Promo3.89%
  2. 2StellerVista Credit Union5-year fixed closed · Insured4.04%
  3. 3Vancouver Firefighters CU5-year fixed closed · Promo4.04%
  4. 4Bulkley Valley Credit Union5-year fixed closed · Promo4.09%
  5. 5Cascadia Credit Union5-year fixed closed · Insured · Promo4.09%
  6. 6Nelson & District Credit Union5-year fixed closed4.14%
  7. 7First Nations Bank of Canada5-year fixed closed · Insured4.19%
  8. 8Khalsa Credit Union5-year fixed closed · Promo4.19%
  9. 9Kootenay Savings Credit Union5-year fixed closed · Insured4.19%
  10. 10Creston & District Credit Union5-year fixed closed · Promo4.25%
  11. 11VantageOne Credit Union5-year fixed closed · Insured · Promo4.29%
  12. 12Beem Credit Union5-year fixed closed · Insured · Promo4.34%

Lowest rate per lender, any term in British Columbia

Each lender's single lowest posted rate — the term and type it applies to is next to the rate.

  1. 1True North Mortgage6-month fixed closed · Insured · Promo2.49%
  2. 2Northern Savings Credit Union5-year variable closed3.55%
  3. 3EQ Bank5-year variable closed3.60%
  4. 4Neo Financial5-year variable closed3.60%
  5. 5Coast Capital Savings5-year variable closed3.69%
  6. 6Prospera Credit Union5-year variable closed · Promo3.69%
  7. 7Alterna Bank5-year variable closed · Insured · Promo3.70%
  8. 8First National Financial5-year variable closed · Insured3.70%
  9. 9Ladysmith & District Credit Union5-year variable closed3.70%
  10. 10Envision Financial (Tru)5-year variable closed · Insured3.70%
  11. 11SASCU3-year variable closed · Promo3.75%
  12. 12Beem Credit Union5-year variable closed3.75%

British Columbia mortgage questions

Who has the best mortgage rate in British Columbia right now?

Lake View Credit Union currently posts 3.89% (5-year fixed closed · Promo) — the lowest rate we track from institutions serving British Columbia, data as of 2026-10-16.

Are these rates open to people in British Columbia?

Yes — that's the point of this page. Every institution listed serves British Columbia: we check each one's membership eligibility and service area before it can appear, rather than listing national rates you may not qualify for.

Are these deposits insured?

Yes. Bank deposits are CDIC-insured up to $100,000 per category; credit-union deposits are covered by British Columbia's provincial fund — see deposit protection in British Columbia and our deposit-insurance guide.

We hunt. You gather.

Rates move with every delivery. Get rate alerts from Ratehunter and you'll be the first to know when a lower mortgage rate lands.

Get rate alerts