Term	Lender	Best Rate
5-Year Variable	National Bank	3.50%	Get This Rate
3-Year Fixed	National Bank	3.89%	Get This Rate
4-Year Fixed	National Bank	3.99%	Get This Rate
5-Year Fixed	National Bank	4.04%	Get This Rate
2-Year Fixed	National Bank	4.24%	Get This Rate
7-Year Fixed	National Bank	4.54%	Get This Rate
1-Year Fixed	MCAP	4.69%	Get This Rate
10-Year Fixed	MCAP	4.69%	Get This Rate

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* Rates shown are discounted rates for insured mortgages. Rates may vary based on credit profile, down payment, and property type. Subject to change without notice. OAC.

🏙️ Market Overview

Chilliwack Mortgage Market Overview 2026

Chilliwack offers the eastern Fraser Valley's best combination of affordability and lifestyle. At $720,000 average, buyers access detached homes for less than Vancouver condos. Mountain views, lakes, and rivers provide endless recreation. The University of the Fraser Valley's campus, CFB Chilliwack redevelopment, and growing retail sector support local employment. Most homes qualify for CMHC insurance, making homeownership accessible.

💡 Local Insights

Mortgage Tips for Chilliwack Buyers

Expert advice tailored to the local Chilliwack real estate market.

First-Time Buyers

Chilliwack offers detached homes for what condos cost in Vancouver—excellent for families.

Min. down payment: $36,000 (5% of avg. price)

Refinancing

Lower prices and larger lots support secondary suite conversions.

Investment Property

UFV campus and growing population create strong rental demand.

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📍 Neighborhoods

Popular Areas in Chilliwack

Downtown

Sardis

Promontory

Greendale

Garrison Crossing

Fairfield Island

🏦 Local Lenders

Top Mortgage Lenders in Chilliwack

We compare rates from these and 50+ other lenders to find you the best deal.

TD Canada Trust

RBC

Envision Financial

First Credit Union

❓ FAQ

Frequently Asked Questions About Mortgages in Chilliwack

Can I commute from Chilliwack to Vancouver?

It's a long commute—about 100 km via Highway 1 (1-1.5 hours without traffic). Many Chilliwack residents work locally or in Abbotsford. Remote workers find Chilliwack's lifestyle and affordability particularly attractive.

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Best Rates. Regulated by the BC Financial Services Authority (BCFSA).

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