A Mortgage Built for Local
Single Family, Multi Family, Vacation, New Construction, Cabin, Land, Mobile Home, Tiny Home — Any Home!
Introducing the
StellerMortgage
Right now, the StellerMortgage includes the following unbeatable extras:
Up to $5,000 cash back on your new mortgage.*
Annual cash-back rewards through our Patronage program.
Up to $1,200 to move your existing mortgage to StellerVista
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.
[table id=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.
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—wherever you are. Our remote mortgage specialist, Karli France, is here to make the process simple and stress-free.
Karli brings years of mortgage expertise and deep roots in the Kootenay region. She understands local housing markets and the unique needs of our communities—because she’s part of them too. Whether it’s by phone, email, or video chat, Karli is ready to meet you where you’re at and help craft a mortgage solution that fits your life.
Click below to get started—Karli will be in touch soon. No branch visits needed. Just friendly, expert advice from someone who gets it.
Income and Rental Helpers
Multi-Family Homes, Carriage Houses, Guest Suites and More...
Income Properties Strategies
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
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.
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.