Up to $5000 in cash and rewards available with a new StellerVista Mortgage.
For a Limited Time members can receive up to $5,000 in cash and rewards for a new StellerVista mortgage*. Members taking out a new mortgage can qualify for up to $4,000 in rewards, while a referring member can also receive up to $1,000 cash by refering that mortgage to StellerVista. So yes… tell your friends!
How to Qualify
- Buy a new home or property with a StellerVista Mortgage
- Move your existing mortgage, from another bank or credit union, to StellerVista.
There a few conditions including the need for at least a 3 year term, to hold a StellerVista demand account to make the mortgage payments, a StellerVista credit card to redeem the rewards points portion, and few other details, but dont worry – we can pretty much take care of everything for you. So if you are ready, do not hesitate, and get started at the link below. This offer is for a limited time only.
Cash Back and Reward Amounts
| Mortgage Principal | Cash Bonus | Points Bonus | Cash Total | Referral Potential | Total with Referral Bonus |
|---|---|---|---|---|---|
| $1,500,000 | $2000 | 200,000 | $4000 | $1000 | $5000 |
| 1,499,999 to $1,000,000 | $1500 | 150,000 | $3000 | $1000 | $4000 |
| $999,999 to $750,000 | $1000 | 100,000 | $2000 | $1000 | $3000 |
| $749,999 to $500,000 to | $750 | 75,000 | $1500 | $500 | $2000 |
| $499,999 to $250,000 | $250 | 25,000 | $500 | $500 | $1000 |
| $249,999 to $100,000 | $100 | 10,000 | $200 | $500 | $700 |
Your Next Step Awaits...
Your First Home
Your Dream Home
Your Next Home
Your Investment Home
Welcome to StellerVista Credit Union, where we have a tailored home financing solution for almost any type of home you can think of. Whether you’re buying your first home, your next home, a peaceful retreat, or investing for the future, our team of local experts is here to guide you every step of the way.
At StellerVista, we don’t just work here; we live here too. This means we understand the nuances of our communities across the Kootenay/Boundary regions. From studio lofts to raw land and custom construction, our team has the knowledge and ability to craft financing options that others might miss. We’re not just advisors; we’re your neighbours, and we’re right here living the same way you do.
Trust us to provide personalized advice and custom solutions for any type of home you dream of. Because here at StellerVista, your home financing needs are handled by experts who truly know what living and investing here means.
Bank like you live here.
“Bank Like You Live Here” isn’t just our tagline at StellerVista Credit Union; it’s a testament to our commitment of fuelling local prosperity. When you choose to bank with us, every dollar stays here – in our communities – and helps to fund things like your neighbours new house or the new shoe store downtown. This circular flow of resources means your money works harder—not only for you but for the enrichment of the entire community.
Moreover, as a member-owner of StellerVista, you’re not just a customer; you’re a partner in our success. Profits generated are returned to you in the form of patronage and dividends, making you a direct beneficiary of our collective growth. This unique relationship ensures that your financial well-being is directly tied to the well-being of your community, reinforcing our promise to provide value that extends beyond banking.
Need us to Come to You?
Don’t have the time (or perhaps the desire) to visit a branch? No problem! With StellerVista Credit Union, getting a mortgage is just a click away, no matter where you are. Our mobile mortgage provider, Karli France, is ready to assist you remotely at your convenience. Whether by call or email, she will bring the expertise directly to you.
Karli is deeply familiar with the Kootenay/Boundary region and has years of experience crafting mortgage solutions that fit each client’s unique situation. Her local knowledge ensures that she’s not just a lender; she’s your neighbour in the community, dedicated to making your home financing experience as seamless and comfortable as possible.
Just Click the button below to get started, and Karli will reach out to you soon. No branch visits required – we come to you, making it easier than ever to secure your home loan.
Mortgage Rates From 5.14%
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.
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
At StellerVista Credit Union, 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 >