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.
Rates as of July 2026Target Overnight Rate2.25%
Prime Rate4.45%
LenderBest 1-year fixed
Community Credit Union (NL)posted4.59%
NB Teachers' Association Credit Unionposted4.64%
CIBC4.74%
Coastal Financial Credit Unionposted4.89%
RBC Royal Bank4.89%
Neo Financial4.99%
First National Financialposted5.14%
Equitable Bankposted5.19%
Provincial Credit Union (PEI)posted5.20%
Teachers Plus Credit Unionposted5.49%
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%
Newfoundland & Labrador Credit Unionposted5.69%
Brunswick Credit Unionposted5.84%
CUA (Credit Union Atlantic)posted5.84%
Consolidated Credit Union (PEI)posted5.85%
Public Service Credit Union (NL)posted5.89%
Tangerine Bank5.99%
ATB Financial6.09%
East Coast Credit Unionposted6.24%
New Waterford Credit Unionposted6.29%
iNova Credit Unionposted6.39%
Glace Bay Central Credit Unionposted6.59%
The Credit Union (NB)posted6.59%
Sydney Credit Unionposted6.64%
Cape Breton Credit Unionposted6.64%
St. Joseph's Credit Unionposted6.64%
Valley Credit Unionposted7.19%
OMISTA Credit Unionposted9.00%
LenderBest 2-year fixed
- Community Credit Union (NL)posted4.49%
- CIBC4.49%
- NB Teachers' Association Credit Unionposted4.54%
- Coastal Financial Credit Unionposted4.64%
- Neo Financial4.64%
- First National Financialposted4.74%
- 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%
- 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%
- Teachers Plus Credit Unionposted5.39%
- CUA (Credit Union Atlantic)posted5.49%
- Desjardinsposted5.59%
- ATB Financial5.59%
- Public Service Credit Union (NL)posted5.69%
- OMISTA Credit Unionposted5.74%
- Consolidated Credit Union (PEI)posted5.90%
- East Coast Credit Unionposted6.14%
- New Waterford Credit Unionposted6.19%
- iNova Credit Unionposted6.29%
- Glace Bay Central Credit Unionposted6.49%
- The Credit Union (NB)posted6.49%
- Sydney Credit Unionposted6.54%
- Cape Breton Credit Unionposted6.54%
- St. Joseph's Credit Unionposted6.54%
- Valley Credit Unionposted7.09%
LenderBest 3-year fixed
- Community Credit Union (NL)posted3.95%
- CIBC4.05%
- East Coast Credit Union4.09%
- Newfoundland & Labrador Credit Unionposted4.29%
- ATB Financial4.34%
- Brunswick Credit Unionposted4.39%
- NB Teachers' Association Credit Unionposted4.44%
- Tangerine Bank4.44%
- Neo Financial4.44%
- UNI Financial Cooperation4.49%
- Coastal Financial Credit Unionposted4.59%
- Provincial Credit Union (PEI)4.59%
- Atlantic Edge Credit Union4.59%
- Equitable Bank4.64%
- TD Canada Trust4.69%
- RBC Royal Bank4.74%
- National Bank of Canada4.74%
- First National Financialposted4.84%
- Mosaik Credit Unionposted4.95%
- Public Service Credit Union (NL)4.99%
- 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%
- New Waterford Credit Unionposted6.09%
- iNova Credit Unionposted6.09%
- Glace Bay Central Credit Unionposted6.39%
- The Credit Union (NB)posted6.39%
- Sydney Credit Unionposted6.44%
- Cape Breton Credit Unionposted6.44%
- St. Joseph's Credit Unionposted6.44%
- Valley Credit Unionposted6.99%
LenderBest 4-year fixed
- East Coast Credit Union4.09%
- Community Credit Union (NL)posted4.29%
- NB Teachers' Association Credit Unionposted4.34%
- ATB Financial4.34%
- Desjardins4.39%
- Neo Financial4.39%
- UNI Financial Cooperation4.49%
- Tangerine Bank4.49%
- Equitable Bank4.64%
- Coastal Financial Credit Unionposted4.69%
- National Bank of Canada4.79%
- RBC Royal Bank4.84%
- First National Financialposted4.84%
- Public Service Credit Union (NL)4.89%
- CIBC4.89%
- Mosaik Credit Unionposted5.00%
- Atlantic Edge Credit Unionposted5.39%
- Newfoundland & Labrador Credit Unionposted5.39%
- Teachers Plus Credit Unionposted5.89%
- Consolidated Credit Union (PEI)posted5.95%
- New Waterford Credit Unionposted5.99%
- Brunswick Credit Unionposted5.99%
- Provincial Credit Union (PEI)posted5.99%
- 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%
- Glace Bay Central Credit Unionposted6.29%
- The Credit Union (NB)posted6.29%
- Sydney Credit Unionposted6.34%
- Cape Breton Credit Unionposted6.34%
- St. Joseph's Credit Unionposted6.34%
- 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%
- Sydney Credit Union4.24%
- NB Teachers' Association Credit Unionposted4.24%
- Equitable Bank4.24%
- Coastal Financial Credit Union4.29%
- Brunswick Credit Unionposted4.39%
- Neo Financial4.39%
- UNI Financial Cooperation4.49%
- Desjardins4.49%
- Tangerine Bank4.49%
- First National Financialposted4.49%
- RBC Royal Bank4.59%
- Mosaik Credit Unionposted4.60%
- Provincial Credit Union (PEI)4.69%
- Atlantic Edge Credit Union4.69%
- Public Service Credit Union (NL)4.79%
- TD Canada Trust4.84%
- Consolidated Credit Union (PEI)posted5.49%
- New Waterford Credit Unionposted5.89%
- 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%
- Glace Bay Central Credit Unionposted6.19%
- The Credit Union (NB)posted6.19%
- Cape Breton Credit Unionposted6.24%
- St. Joseph's Credit Unionposted6.24%
- Valley Credit Unionposted6.79%
LenderBest 7-year fixed
- Newfoundland & Labrador Credit Union4.89%
- RBC Royal Bank5.00%
- First National Financialposted5.09%
- CIBC5.11%
- 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 Financialposted5.44%
- 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%
- UNI Financial Cooperation4.00%
- Tangerine Bank4.00%
- Newfoundland & Labrador Credit Unionposted4.05%
- 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 July 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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