Mortgage rates
Current Halifax mortgage rates: every term
The best advertised rate from each tracked Canadian lender, by term. Financing is half the rental-return picture: these are the numbers behind your cap rate and cash flow.
Target Overnight Rate2.25%
Prime Rate4.45%
LenderBest 1-year fixed
Community Credit Union (NL)posted4.59%
CIBC4.74%
Beaubear Credit Unionposted4.84%
NB Teachers' Association Credit Unionposted4.84%
Coastal Financial Credit Unionposted4.89%
RBC Royal Bank4.89%
Equitable Bankposted5.04%
First National Financialposted5.14%
New Waterford Credit Unionposted5.19%
Newfoundland & Labrador Credit Unionposted5.29%
Teachers Plus Credit Unionposted5.49%
Provincial Credit Union (PEI)posted5.49%
BMO (Bank of Montreal)posted5.49%
Scotiabankposted5.49%
TD Canada Trustposted5.49%
National Bank of Canada5.49%
UNI Financial Cooperationposted5.49%
Desjardinsposted5.49%
Atlantic Edge Credit Unionposted5.59%
Public Service Credit Union (NL)posted5.59%
Mosaik Credit Unionposted5.60%
Brunswick Credit Unionposted5.84%
CUA (Credit Union Atlantic)posted5.84%
Consolidated Credit Union (PEI)posted5.85%
Neo Financial5.94%
Tangerine Bank5.99%
ATB Financial6.09%
East Coast Credit Unionposted6.24%
iNova Credit Unionposted6.39%
Sydney Credit Unionposted6.84%
Cape Breton Credit Unionposted6.84%
Glace Bay Central Credit Unionposted6.84%
St. Joseph's Credit Unionposted6.84%
Valley Credit Unionposted7.19%
OMISTA Credit Unionposted9.00%
LenderBest 2-year fixed
- Community Credit Union (NL)posted4.49%
- CIBC4.49%
- Beaubear Credit Unionposted4.74%
- NB Teachers' Association Credit Unionposted4.74%
- First National Financialposted4.74%
- Coastal Financial Credit Unionposted4.79%
- RBC Royal Bank4.79%
- UNI Financial Cooperation4.79%
- National Bank of Canada4.84%
- BMO (Bank of Montreal)posted4.89%
- Scotiabankposted4.89%
- TD Canada Trustposted4.89%
- New Waterford Credit Unionposted5.09%
- Mosaik Credit Unionposted5.10%
- Brunswick Credit Unionposted5.14%
- Tangerine Bank5.14%
- Equitable Bankposted5.14%
- Newfoundland & Labrador Credit Unionposted5.19%
- Provincial Credit Union (PEI)posted5.24%
- Atlantic Edge Credit Unionposted5.29%
- Public Service Credit Union (NL)posted5.29%
- Teachers Plus Credit Unionposted5.39%
- CUA (Credit Union Atlantic)posted5.49%
- Desjardinsposted5.59%
- ATB Financial5.59%
- OMISTA Credit Unionposted5.74%
- Neo Financial5.84%
- Consolidated Credit Union (PEI)posted5.90%
- East Coast Credit Unionposted6.14%
- iNova Credit Unionposted6.29%
- Sydney Credit Unionposted6.74%
- Cape Breton Credit Unionposted6.74%
- Glace Bay Central Credit Unionposted6.74%
- St. Joseph's Credit Unionposted6.74%
- Valley Credit Unionposted7.09%
LenderBest 3-year fixed
- Community Credit Union (NL)posted3.95%
- CIBC4.05%
- East Coast Credit Union4.09%
- Newfoundland & Labrador Credit Union4.29%
- Equitable Bank4.34%
- ATB Financial4.34%
- Brunswick Credit Unionposted4.39%
- Tangerine Bank4.44%
- Coastal Financial Credit Unionposted4.49%
- RBC Royal Bank4.49%
- UNI Financial Cooperation4.49%
- Atlantic Edge Credit Union4.59%
- Public Service Credit Union (NL)posted4.59%
- Beaubear Credit Unionposted4.64%
- NB Teachers' Association Credit Unionposted4.64%
- Provincial Credit Union (PEI)4.64%
- TD Canada Trust4.64%
- National Bank of Canada4.64%
- Neo Financial4.64%
- First National Financialposted4.94%
- Mosaik Credit Unionposted4.95%
- New Waterford Credit Unionposted4.99%
- Teachers Plus Credit Unionposted5.29%
- OMISTA Credit Unionposted5.64%
- Consolidated Credit Union (PEI)posted5.74%
- Scotiabankposted5.95%
- Desjardinsposted5.99%
- CUA (Credit Union Atlantic)posted6.04%
- BMO (Bank of Montreal)posted6.05%
- iNova Credit Unionposted6.09%
- Sydney Credit Unionposted6.64%
- Cape Breton Credit Unionposted6.64%
- Glace Bay Central Credit Unionposted6.64%
- St. Joseph's Credit Unionposted6.64%
- Valley Credit Unionposted6.99%
LenderBest 4-year fixed
- East Coast Credit Union4.09%
- Community Credit Union (NL)posted4.29%
- ATB Financial4.34%
- Desjardins4.39%
- UNI Financial Cooperation4.49%
- Tangerine Bank4.49%
- Beaubear Credit Unionposted4.54%
- NB Teachers' Association Credit Unionposted4.54%
- Equitable Bank4.64%
- Public Service Credit Union (NL)posted4.79%
- National Bank of Canada4.79%
- Coastal Financial Credit Unionposted4.84%
- RBC Royal Bank4.84%
- New Waterford Credit Unionposted4.89%
- CIBC4.89%
- First National Financialposted4.89%
- Neo Financial4.94%
- Mosaik Credit Unionposted5.00%
- Atlantic Edge Credit Unionposted5.39%
- Newfoundland & Labrador Credit Unionposted5.59%
- Teachers Plus Credit Unionposted5.89%
- Consolidated Credit Union (PEI)posted5.95%
- Brunswick Credit Unionposted5.99%
- BMO (Bank of Montreal)posted5.99%
- Scotiabankposted5.99%
- TD Canada Trustposted5.99%
- iNova Credit Unionposted5.99%
- OMISTA Credit Unionposted5.99%
- CUA (Credit Union Atlantic)posted5.99%
- Provincial Credit Union (PEI)posted6.19%
- Sydney Credit Unionposted6.54%
- Cape Breton Credit Unionposted6.54%
- Glace Bay Central Credit Unionposted6.54%
- St. Joseph's Credit Unionposted6.54%
- Valley Credit Unionposted6.89%
LenderBest 5-year fixed
- East Coast Credit Union3.99%
- Community Credit Union (NL)4.05%
- BMO (Bank of Montreal)4.09%
- ATB Financial4.09%
- CIBC4.10%
- Newfoundland & Labrador Credit Unionposted4.19%
- Coastal Financial Credit Union4.29%
- Brunswick Credit Unionposted4.39%
- Sydney Credit Union4.44%
- Beaubear Credit Unionposted4.44%
- NB Teachers' Association Credit Unionposted4.44%
- UNI Financial Cooperation4.49%
- Desjardins4.49%
- Tangerine Bank4.49%
- Neo Financial4.49%
- Equitable Bank4.54%
- RBC Royal Bank4.59%
- First National Financialposted4.64%
- Atlantic Edge Credit Union4.69%
- Public Service Credit Union (NL)posted4.69%
- New Waterford Credit Unionposted4.79%
- Mosaik Credit Unionposted4.80%
- Provincial Credit Union (PEI)4.84%
- TD Canada Trust4.84%
- Consolidated Credit Union (PEI)posted5.49%
- iNova Credit Unionposted5.89%
- Teachers Plus Credit Unionposted5.99%
- Scotiabankposted6.09%
- National Bank of Canadaposted6.09%
- OMISTA Credit Unionposted6.09%
- CUA (Credit Union Atlantic)posted6.09%
- Cape Breton Credit Unionposted6.44%
- Glace Bay Central Credit Unionposted6.44%
- St. Joseph's Credit Unionposted6.44%
- Valley Credit Unionposted6.79%
LenderBest 7-year fixed
- Newfoundland & Labrador Credit Union4.89%
- RBC Royal Bank5.00%
- CIBC5.11%
- First National Financialposted5.14%
- National Bank of Canada5.26%
- Tangerine Bank5.50%
- BMO (Bank of Montreal)6.35%
- UNI Financial Cooperationposted6.39%
- Desjardinsposted6.39%
- Scotiabankposted6.40%
- TD Canada Trustposted6.40%
LenderBest 10-year fixed
- First National Financialposted5.49%
- Tangerine Bank5.90%
- BMO (Bank of Montreal)6.70%
- CIBCposted6.79%
- UNI Financial Cooperationposted6.79%
- RBC Royal Bankposted6.80%
- Scotiabankposted6.80%
- TD Canada Trustposted6.80%
- Desjardinsposted6.89%
LenderBest 3-year variable
- Scotiabankposted5.95%
- BMO (Bank of Montreal)posted7.75%
LenderBest 5-year variable
- ATB Financial3.65%
- Newfoundland & Labrador Credit Unionposted3.90%
- UNI Financial Cooperation4.00%
- Tangerine Bank4.00%
- Desjardins4.10%
- BMO (Bank of Montreal)posted4.45%
- Scotiabankposted4.90%
- National Bank of Canadaposted5.45%
- TD Canada Trustposted7.75%
Best available rate per lender from tracked Canadian lenders, as of August 2026: each lender's discounted “special” where it publishes one, otherwise its “posted” rate (tagged as such). Individual offers vary. Indicative rates, not an offer of credit: confirm terms with a licensed mortgage broker. Bank of Canada overnight and prime figures via the Bank of Canada.
Turn these rates into your rental's numbers
Get a free rental analysis based on current Halifax market asking rents.