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Lower Mainland, British Columbia Updated September 10, 2026

Best Mortgage Rates in
Coquitlam

Family-oriented with Evergreen Line access

🏠
Avg. Home Price $1,150,000 -2.3% YoY
🏢
Avg. Condo Price $665,000
📅
Days on Market 29
Best 5-Yr Fixed 4.04%
📊 Rate Comparison

Compare Mortgage Rates in Coquitlam

Updated September 10, 2026

Today's Best Mortgage Rates

Compare discounted rates from Canada's top lenders. These are actual rates you can get - not posted bank rates.

Featured Mortgage Rates

Best discounted rates available today – sorted by lowest rate

Term Lender Best 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

Coquitlam Mortgage Market Overview 2026

Coquitlam offers the best of both worlds: nature access and SkyTrain connectivity. The Evergreen Line has transformed the city, boosting property values and attracting development. At $1,150,000 average, prices are higher than Surrey but lower than Vancouver. Families choose Coquitlam for excellent schools, extensive parks, and access to mountains and lakes while maintaining urban job access via transit.
💡 Local Insights

Mortgage Tips for Coquitlam Buyers

Expert advice tailored to the local Coquitlam real estate market.

First-Time Buyers

Coquitlam Centre area offers new condos with SkyTrain access.

Min. down payment: $57,500 (5% of avg. price)

Refinancing

Evergreen Line has boosted property values—consider leveraging appreciation.

Investment Property

Student rentals near Douglas College provide steady demand.

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📍 Neighborhoods

Popular Areas in Coquitlam

Coquitlam Centre
Burke Mountain
Westwood Plateau
Maillardville
Ranch Park
🏦 Local Lenders

Top Mortgage Lenders in Coquitlam

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

TD Canada Trust
RBC
Vancity
Coast Capital
❓ FAQ

Frequently Asked Questions About Mortgages in Coquitlam

How did the Evergreen Line affect Coquitlam prices?

Properties near Evergreen Line stations saw 10-20% appreciation premiums following the line's opening. New development concentrated around stations, with Coquitlam Centre emerging as a major urban node. Values continue to benefit from improved connectivity.

Get the Best Mortgage Rate in Coquitlam

Work with a local mortgage expert who understands the Coquitlam market. We compare rates from 50+ lenders to save you thousands.

✓ Free, no-obligation quote ✓ No credit impact ✓ 50+ lenders compared

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

What a Coquitlam Mortgage Actually Costs in 2026

The average Coquitlam home trades at $1,150,000, sells in about 29 days, and the local sales-to-listing ratio sits near 41%. Here is what that price means for a mortgage today, before we shop it across 50+ lenders.

Average local price $1,150,000
Minimum down payment $90,000 — 5% on the first $500,000 plus 10% on the balance. Insurable up to the $1.5M cap.
Mortgage amount $1,060,000
Land transfer tax $21,000 — BC Property Transfer Tax. First-time buyers may qualify for a full or partial exemption.
Payment at an illustrative 4.29%, 25-yr $5,744 / month
Stress-test payment at 6.29% $6,966 / month — you must qualify at the greater of 5.25% or your rate + 2%

Illustrative figures based on the local average price and 2026 qualifying rules. Your actual rate and payment depend on your file.

Where we lend in Coquitlam

We place files across Coquitlam Centre, Burke Mountain, Westwood Plateau, Maillardville and Ranch Park. Appraisal values, condo status certificates and rental-suite income are handled differently in each pocket, and that changes which lender says yes.

Active lenders in the Coquitlam market include TD Canada Trust, RBC, Vancity, Coast Capital, alongside monoline and credit-union options that never advertise locally. One application reaches all of them.

British Columbia resources

Licensed broker · 50+ lenders · free to you. Send your numbers and get your answer fast — start your Coquitlam application.