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.
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.”
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.
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
Mortgage rates
Interest rates for popular mortgages
5 year special**
3.99%5 year variable (Prime – .05%)
4.90%
Rates effective February 25, 2025
** Any Special Offers are promotional rates and are not the posted rates of Bulkley Valley Credit Union. Specials Offers may be changed, withdrawn or extended at any time, without notice.
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.
