Member notice: Our Cloverdale branch is closed today due to scheduled maintenance by BC Hydro. We apologize for any inconvenience. If you require assistance, please call our Member Service Centre at 1 888 440 4480 or visit a nearby branch.
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Buying a home
Mortgages

Buying a new home? We can help.

Work with a local advisor to find a mortgage that’s personalized for you—and your dream home.

The right advice to get you the right mortgage

Buying a new home can be overwhelming. Our advisors are local and provide you with the advice and support you need every step of the way. Call 1 888 440 4480 or click the button below to get started now so you can get moving into your dream home.

Get started


What is a mortgage?

A mortgage is a loan secured by property, allowing you to gradually gain ownership of the property over time. In contrast, renting involves paying for the use of a property without acquiring any ownership, offering flexibility but not building equity or offering potential tax benefits.
 

The homebuying process

  Work with an advisor to find out how much you can afford and get pre-approved

  Review your mortgage options and find the right fit for you

  Choose your dream home and secure the deal

Get personalized mortgage advice

Work directly with an advisor to create a personalized plan to meet your goals.


Secure your personalized rate

Enjoy a 90-day rate guarantee so you can have complete confidence you’re getting the best rate.

Secure your rate

 

Flexible mortgage options

More mortgage options to fit your budget, your lifestyle and your path to your dream home.
Learn more

Protect your mortgage

Take advantage of optional creditor insurance for additional peace of mind and security.
Talk to an advisor
 

Explore our featured mortgage rates

3-year fixed rate mortgage

(closed)

Claim this rate

5-year fixed rate mortgage

(insured)

Claim this rate

5-year variable rate mortgage

(insured)

Claim this rate
 

Work with a mortgage expert

Whether you're new to the home buying process or a seasoned professional, our team of experienced mortgage professionals can talk you through the process and get you the best rates available.

Book an appointment Fill out our contact form 1 888 440 4480

 

Mortgage resources

Mortgage calculator

Try calculator

Explore mortgage options

View options

Read home buying articles

Learn more

Ready to get started?


We can’t wait to see you

Book a virtual or in-person appointment with a local Prospera mortgage expert

Book an appointment


Let’s chat

Contact our Member Service Centre


1 888 440 4480


Start your online application

Begin your mortgage application from the comfort of home

Get started