A mortgage built for local
The StellerMortgage is our response to a housing market that is becoming harder and harder to navigate. It’s not just about the cash back and best rate – though that we are openly here to try and provide you the best of both—but it’s also about providing mortgages that work out here in the places we live.
A cabin in the bush? A tiny home in town? New build on some land? Our local team has done it all, and knows how to help you make it happen. No matter if it’s your first home, your next home, your dream home, or an investment home, we want it to happen for you and are there to help—with flexibility, creativity, care, and of course, some serious perks in 2025.
Right now, the StellerMortgage includes the following unbeatable extras:
Up to $5,000 cash back on your new mortgage.*
A chance to win $10,000 with our mortgage prize draw.*
Annual cash-back rewards through our Patronage program.
Up to $1,200 to move your existing mortgage to StellerVista
No matter if you’re in the market for a new home—or looking to move away from your current bank—there is no better time than now to get started. Even if you’re a months out from making things official, you can reach out today to secure your rate and lock in the offer.
Win $10,000 to furnish your StellerHome!
Now through October 15th, all new or renewed mortgages with StellerVista will automatically qualify fo a chance to win one of two grand prize options, including a $10,000 local furniture shopping spree! All set on furniture? Well no worries, because the second option custom Kootenay get away – a chance to truly vacation like you live here.
Mortgage Rates From 3.99%
StellerVista Credit Union offers competitive mortgage rates designed to meet your financial needs—let’s work together to find the perfect solution for you.
What Can I Afford?
Use our intuitive mortgage calculator to explore your financing options—whether determining potential payments from the price of a listing or estimating affordability based on your budget.
Get up to $1,200 to cover the cost of moving your mortgage, plus up to $5,000 cash back!
Your mortgage called… it wants to come home. Whether you’re new to town or you’ve lived here for years with your mortgage parked at a big bank, we’d love to welcome you. For a limited time, when you move your mortgage to StellerVista:
- You can receive up to $1,200 in bonus cash as a thank-you for making the switch
- You’ll also be eligible for up to $5,000 in mortgage cash back, depending on your mortgage size
- And you’ll join a credit union where members are owners, profits are shared, and your financial success fuels local success
Why bank (and mortgage) like you live here?
At StellerVista, your mortgage is more than just a transaction — it’s a way to contribute to the community you call home. As a member-owner, you benefit from personalized service, reinvested profits, and the knowledge that your financial choices support your neighbours.
So no matter where you’re coming from — whether you’re buying your first home, upgrading, downsizing, or just ready for a better mortgage experience — we’re here to help you make the move.
Make it here. Keep it here. Grow it here.
Need us to Come to You?
Don’t have the time (or perhaps the desire) to visit a branch? No problem!
At StellerVista Credit Union, getting a mortgage is quick, simple, and completely remote—available wherever you are in British Columbia. Our dedicated team of mortgage specialists is here to offer personalized, stress-free service, no matter how you prefer to connect.
With extensive mortgage expertise and a genuine understanding of communities across BC, our team is ready to guide you every step of the way. Whether you prefer phone calls, email, or video chats, we’re here to accommodate your needs and ensure you get a mortgage solution perfectly tailored to your life.
Get started now—no branch visits required. Just friendly, expert advice delivered directly to you, wherever you may be.
Or Contact Our Mobile Team Directly
- Karlie France: [email protected]
- Devin Solberg: [email protected]
Webinar: Kootenay mortgage 101
Thinking about buying in the Kootenays? Our recent webinar breaks down the mortgage process for rural living, with local experts sharing clear, practical advice. Watch the recording to get real answers and feel confident about your next steps.
Cabins & Vacation Property
Experience the joy of owning a vacation home with tailored mortgage solutions from StellerVista Credit Union. Whether it’s a cozy cabin by the lake or a serene mountain retreat, we offer competitive rates and flexible terms designed to make your dream getaway a reality. Our local lending experts understand the unique aspects of vacation property financing and are here to guide you every step of the way. Let us help you invest in relaxation and leisure—because everyone deserves a place to escape.
Single Family Homes
When it comes to purchasing a single-family home, StellerVista Credit Union is your trusted local partner. Our home loan options are crafted to suit a variety of needs, from first-time buyers to seasoned homeowners looking to relocate. We offer competitive rates, comprehensive advice, and a commitment to personalized service, ensuring your home buying process is smooth and straightforward. Partner with us and feel confident in your journey to homeownership in our community.
Construction
From raw land purchases to full home constructions or renovations, StellerVista Credit Union provides flexible financing to bring your building dreams to life. Whether you’re starting from scratch, looking to buy land, or planning to renovate, our construction and land mortgages are designed to accommodate your project’s unique requirements. With expert guidance from our local specialists and tailored lending options, we make it easier to manage your construction budget and timeline effectively.
Mobile & Tiny Homes
We understand that home doesn’t always come in a traditional package. That’s why we specialize in creative financing solutions for mobile and tiny homes, offering alternatives that many other lenders won’t consider. Whether you’re looking to simplify your lifestyle or need a mobile solution that fits your budget, we’re here to help. Our expertise also extends to land financing, making us the go-to resource in our region for those seeking unconventional living spaces.
Income and Rental Helpers
Multi-Family Homes, Carriage Houses, Guest Suites and More...
Investing in properties with rental suites or becoming a first-time homeowner with a rental helper can be a strategic way to offset mortgage costs and generate additional income. People pursue this route for various reasons, ranging from wanting to maximize their investment in real estate to needing supplemental income to make homeownership more affordable. At StellerVista Credit Union, we understand the potential and the complexities of managing properties that come with income-generating suites. Our team is skilled in navigating the specific financial and regulatory requirements involved, ensuring you’re well-equipped to make the most out of your investment.
The Value and Challenges of Income Properties
The allure of income properties is clear—they can serve as a steady source of revenue and significantly contribute to your financial stability. For investors, it’s a chance to build a portfolio that not only appreciates over time but also pays dividends along the way. For homeowners, a rental suite can be the difference between affording a dream home and settling for less. However, managing these properties comes with its set of challenges, from finding reliable tenants to dealing with maintenance issues and adhering to local housing regulations. Despite these hurdles, the long-term benefits often outweigh the initial effort, especially when you have the right financial partner to guide you.
Why StellerVista Should Be Your First Stop
If you’re considering purchasing a property with a rental component, make StellerVista Credit Union your first point of contact. We specialize in providing personalized mortgage solutions that consider the unique aspects of income-generating properties. Whether you’re looking to dive into the world of real estate investment or a first-time buyer aiming to leverage rental income, our knowledgeable team is here to help you navigate the process. We’ll work closely with you to understand your financial goals, discuss potential challenges, and develop a plan that maximizes your property’s income potential while minimizing financial stress. Visit us today to learn how we can support your journey toward successful property investment.
First Home Savings Account: FHSA
Buying a first home is a major milestone, yet many Canadians find it increasingly challenging due to rising real estate prices. The Tax-Free First Home Savings Account (FHSA) is designed to alleviate these challenges. This innovative account combines the benefits of RRSP's tax deductibility and the TFSA's tax-free withdrawal features. Specifically crafted to assist first-time homebuyers, the FHSA provides substantial tax advantages to make saving for that all-important first home purchase more attainable. This account is a critical tool in your financial arsenal, offering both immediate and long-term tax benefits, thereby enhancing your ability to accumulate the needed funds for a down payment. Click the Cabin to Learn More >
First Home Savings Account: FHSA
Buying a first home is a major milestone, yet many Canadians find it increasingly challenging due to rising real estate prices. The Tax-Free First Home Savings Account (FHSA) is designed to alleviate these challenges. This innovative account combines the benefits of RRSP's tax deductibility and the TFSA's tax-free withdrawal features. Specifically crafted to assist first-time homebuyers, the FHSA provides substantial tax advantages to make saving for that all-important first home purchase more attainable. This account is a critical tool in your financial arsenal, offering both immediate and long-term tax benefits, thereby enhancing your ability to accumulate the needed funds for a down payment. Click the Cabin to Learn More >