Guide to renewing and refinancing your mortgage

Pay down your mortgage faster or free up funds for renovations. Know all your options.

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Guide to renewing and refinancing your mortgage

Renewing your current mortgage

Take advantage of local decisions and interest rates to renew your mortgage on your terms.

The renewal process helps evaluate your current needs and make your next mortgage term benefit you.

Our local advisors can help secure a better rate or explore other available options.

Re-evaluate your terms, payments and frequency with no or minimal penalties.

Refinancing a new mortgage

Take advantage of special interest rates or take out equity for other big investments in your life.

Taking advantage of lowered rates can help pay down debt or lower your monthly payments.

Consolidate loans with your mortgage and save money on interest with one single monthly repayment.

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 Specials Offers may be changed, withdrawn or extended at any time, without notice.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.

Learn more

  • Getting ready to buy your first home?

    Getting ready to buy your first home?

    Tap into our local expertise and let us guide you through buying your very first home

    Read more

  • Lost and stolen cards

    Lost and stolen cards

    Bank safely and replace lost or stolen debit and credit cards.

    Read more

  • Opt out of paper statements

    Opt out of paper statements

    Save the paper and trip to the post office. Get your statements delivered right to your inbox!

    Read more

Reach us wherever you are

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Visit a branch

We’re open between 9:30am & 4:30pm, M-F.

Email us

Email a specific branch or department.

Call us

8am-6pm, M-F,
9am-5pm, Sat.