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
Coastal Financial Credit Unionposted5.04%
CIBC5.09%
RBC Royal Bank5.14%
New Waterford Credit Unionposted5.19%
Public Service Credit Union (NL)posted5.29%
Newfoundland & Labrador Credit Unionposted5.29%
Equitable Bankposted5.29%
Beaubear Credit Unionposted5.30%
NB Teachers' Association Credit Unionposted5.30%
Community Credit Union (NL)posted5.30%
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%
Mosaik Credit Unionposted5.60%
Brunswick Credit Unionposted5.74%
CUA (Credit Union Atlantic)posted5.84%
Consolidated Credit Union (PEI)posted5.85%
First National Financialposted5.90%
Neo Financial5.94%
Tangerine Bank5.99%
ATB Financial6.09%
East Coast Credit Unionposted6.24%
iNova Credit Unionposted6.39%
Valley Credit Unionposted7.30%
Sydney Credit Unionposted7.30%
Cape Breton Credit Unionposted7.30%
Glace Bay Central Credit Unionposted7.30%
St. Joseph's Credit Unionposted7.30%
OMISTA Credit Unionposted9.00%
LenderBest 2-year fixed
- UNI Financial Cooperation4.79%
- CIBC4.84%
- Coastal Financial Credit Unionposted4.94%
- BMO (Bank of Montreal)posted4.94%
- National Bank of Canada4.99%
- New Waterford Credit Unionposted5.09%
- Mosaik Credit Unionposted5.10%
- Brunswick Credit Unionposted5.14%
- RBC Royal Bank5.14%
- Scotiabankposted5.14%
- Tangerine Bank5.14%
- Public Service Credit Union (NL)posted5.19%
- Newfoundland & Labrador Credit Unionposted5.19%
- Beaubear Credit Unionposted5.20%
- NB Teachers' Association Credit Unionposted5.20%
- Community Credit Union (NL)posted5.20%
- Provincial Credit Union (PEI)posted5.24%
- Atlantic Edge Credit Unionposted5.29%
- TD Canada Trustposted5.29%
- Teachers Plus Credit Unionposted5.39%
- Equitable Bankposted5.39%
- CUA (Credit Union Atlantic)posted5.49%
- Desjardinsposted5.59%
- First National Financialposted5.59%
- ATB Financial5.59%
- OMISTA Credit Unionposted5.84%
- Neo Financial5.84%
- Consolidated Credit Union (PEI)posted5.90%
- East Coast Credit Unionposted6.14%
- iNova Credit Unionposted6.29%
- Valley Credit Unionposted7.20%
- Sydney Credit Unionposted7.20%
- Cape Breton Credit Unionposted7.20%
- Glace Bay Central Credit Unionposted7.20%
- St. Joseph's Credit Unionposted7.20%
LenderBest 3-year fixed
- CIBC4.15%
- Newfoundland & Labrador Credit Unionposted4.19%
- Community Credit Union (NL)posted4.29%
- ATB Financial4.29%
- Brunswick Credit Unionposted4.39%
- Public Service Credit Union (NL)posted4.49%
- East Coast Credit Union4.59%
- Atlantic Edge Credit Union4.59%
- Provincial Credit Union (PEI)4.64%
- Tangerine Bank4.64%
- UNI Financial Cooperation4.69%
- Coastal Financial Credit Unionposted4.79%
- Neo Financial4.79%
- National Bank of Canada4.94%
- Mosaik Credit Unionposted4.95%
- New Waterford Credit Unionposted4.99%
- RBC Royal Bank4.99%
- Beaubear Credit Unionposted5.10%
- NB Teachers' Association Credit Unionposted5.10%
- TD Canada Trust5.14%
- Teachers Plus Credit Unionposted5.29%
- First National Financialposted5.49%
- Equitable Bankposted5.49%
- OMISTA Credit Unionposted5.74%
- Consolidated Credit Union (PEI)posted5.74%
- CUA (Credit Union Atlantic)posted6.04%
- Desjardinsposted6.04%
- BMO (Bank of Montreal)posted6.05%
- Scotiabankposted6.05%
- iNova Credit Unionposted6.09%
- Valley Credit Unionposted7.10%
- Sydney Credit Unionposted7.10%
- Cape Breton Credit Unionposted7.10%
- Glace Bay Central Credit Unionposted7.10%
- St. Joseph's Credit Unionposted7.10%
LenderBest 4-year fixed
- ATB Financial4.34%
- East Coast Credit Union4.59%
- Desjardins4.59%
- UNI Financial Cooperation4.69%
- Tangerine Bank4.74%
- New Waterford Credit Unionposted4.89%
- Coastal Financial Credit Unionposted4.94%
- Neo Financial4.94%
- Mosaik Credit Unionposted5.00%
- Beaubear Credit Unionposted5.00%
- NB Teachers' Association Credit Unionposted5.00%
- Community Credit Union (NL)posted5.00%
- RBC Royal Bank5.04%
- National Bank of Canada5.04%
- CIBC5.24%
- Public Service Credit Union (NL)posted5.34%
- Atlantic Edge Credit Unionposted5.39%
- First National Financialposted5.44%
- 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%
- TD Canada Trustposted5.99%
- iNova Credit Unionposted5.99%
- CUA (Credit Union Atlantic)posted5.99%
- Scotiabankposted6.09%
- OMISTA Credit Unionposted6.09%
- Provincial Credit Union (PEI)posted6.19%
- Equitable Bankposted6.44%
- Valley Credit Unionposted7.00%
- Sydney Credit Unionposted7.00%
- Cape Breton Credit Unionposted7.00%
- Glace Bay Central Credit Unionposted7.00%
- St. Joseph's Credit Unionposted7.00%
LenderBest 5-year fixed
- BMO (Bank of Montreal)4.09%
- CIBC4.20%
- Coastal Financial Credit Union4.29%
- Newfoundland & Labrador Credit Unionposted4.29%
- ATB Financial4.34%
- Brunswick Credit Unionposted4.39%
- East Coast Credit Union4.49%
- Community Credit Union (NL)4.49%
- Public Service Credit Union (NL)posted4.59%
- Atlantic Edge Credit Union4.69%
- Desjardins4.69%
- UNI Financial Cooperation4.74%
- Neo Financial4.74%
- New Waterford Credit Unionposted4.79%
- Mosaik Credit Unionposted4.80%
- Provincial Credit Union (PEI)4.84%
- RBC Royal Bank4.84%
- Tangerine Bank4.84%
- Sydney Credit Union4.90%
- Beaubear Credit Unionposted4.90%
- NB Teachers' Association Credit Unionposted4.90%
- First National Financialposted4.99%
- TD Canada Trust5.34%
- Consolidated Credit Union (PEI)posted5.49%
- Equitable Bankposted5.59%
- iNova Credit Unionposted5.89%
- Teachers Plus Credit Unionposted5.99%
- CUA (Credit Union Atlantic)posted6.09%
- National Bank of Canadaposted6.14%
- Scotiabankposted6.19%
- OMISTA Credit Unionposted6.19%
- St. Joseph's Credit Unionposted6.79%
- Valley Credit Unionposted6.90%
- Cape Breton Credit Unionposted6.90%
- Glace Bay Central Credit Unionposted6.90%
LenderBest 7-year fixed
- Newfoundland & Labrador Credit Union4.89%
- RBC Royal Bank5.25%
- National Bank of Canada5.34%
- Tangerine Bank5.50%
- CIBC5.54%
- First National Financialposted5.61%
- BMO (Bank of Montreal)6.35%
- UNI Financial Cooperationposted6.39%
- Desjardinsposted6.39%
- Scotiabankposted6.40%
- TD Canada Trustposted6.40%
LenderBest 10-year fixed
- Tangerine Bank5.90%
- First National Financialposted5.91%
- BMO (Bank of Montreal)6.70%
- CIBCposted6.79%
- UNI Financial Cooperationposted6.79%
- Scotiabankposted6.80%
- TD Canada Trustposted6.80%
- Desjardinsposted6.89%
- RBC Royal Bankposted6.90%
LenderBest 3-year variable
- Scotiabankposted5.95%
- BMO (Bank of Montreal)posted7.75%
LenderBest 5-year variable
- ATB Financial3.65%
- RBC Royal Bank3.85%
- Tangerine Bank3.90%
- Newfoundland & Labrador Credit Unionposted3.95%
- UNI Financial Cooperation4.00%
- 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 October 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.
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