Co-operative Housing Financing

Financing solutions designed for housing co-operatives

Born from Vancity’s co-operative model, we are more than a lender. We are a financial force for change.

VCIB is Canada’s only values-driven bank. We provide reliable and flexible financing to meet the specific needs of each housing co-op. Our financing covers capital repairs, mortgage refinancing, and much more.

Co-operative Housing Loans

Our loan products include conventional term mortgages, CMHC-insured term mortgages, and real estate secured lines of credit.

Loan size:

$500K – $45M+

Loan to value:

Up to 75%

Loan repayment term:

1 to 5 years


Up to 25 years

(and up to 30 years on new construction)

In keeping with Vancity Credit Union’s co-operative roots and values, VCIB has financially supported the co-operative housing movement for decades. We approach each lending opportunity with creativity and a commitment to invest in what’s right for our communities.

Looking for a financing partner that understands co-operative housing? Tell us about your financing needs and get started today.

Get Started

Meet our dedicated co-op financing team

Whether you want to learn about the best way to structure a loan, keep rents affordable, have the right amount of capital available to manage your property, or finance energy efficiency upgrades, our team is here to support you.
Eric Visser
Senior Manager Business Development, Commercial Real Estate
Anne Bastiampillai
Senior Manager, Commercial Real-Estate

Developing creative financing solutions.

Developing creative financing solutions.

Our long-standing relationship with CMHC enables us to work hand in hand to provide housing co-operatives with unique loan structures to meet their specific financing needs. Learn how we worked together to support Innisfree Housing Co-op’s hotel-quality renovations:

Let’s talk

Our team of real estate experts has financed a wide range of affordable housing projects. Tell us about your co-op financing needs and get started today. 

Ready to get financing for your project?

Get Started

Vancity Community Investment Bank is a member of CDIC and is a Certified B CorpTM