What are mortgage rates in St. John's today?
| Term | Rate | Lender type | Shelf / note | Payment on $400,000 |
|---|---|---|---|---|
| 5-year fixed | 4.04% | Credit union | uninsured | $2,113/mo |
| 5-year variable | 3.70% | Brokerage | prime − 0.75% | $2,046/mo |
| 3-year fixed | 4.19% | Monoline | uninsured | $2,145/mo |
| HELOC | 4.95% | Bank | prime + 0.50% | — |
Payments on a $400,000 mortgage, 25-year amortization, fixed rates compounded semi-annually. Prime 4.45% (Bank of Canada policy rate 2.25%), October 7, 2026.
Who bids on St. John's mortgages?
Every approved lender that serves Newfoundland and Labrador appears on this page automatically.
Mortgage renewal in St. John's
St. John's homeowners can switch lenders at maturity with no penalty. Start 120 days early and challenge your renewal rate; on a $412,000 balance, a bid 0.85% lower saves about $194 a month.
Refinance and HELOC in St. John's
Refinance up to 80% of your St. John's home's value, or open a HELOC up to 65%. Compare both with the refinance calculator and HELOC calculator.
What does it cost to buy in St. John's?
Newfoundland and Labrador has no land transfer tax. Registration fees are $100 plus 0.4% of the value over $500 for the deed, and the same on the mortgage.
| Item | Amount |
|---|---|
| Total transfer tax / registration fees | $2,716 |
Before first-time buyer rebates. Rules checked October 7, 2026.
Nearby cities
Frequently asked questions
What are mortgage rates in St. John's today?
See the best bids table above; post your request for bids on your own file.
Is a St. John's mortgage renewal different from other cities?
The process is the same; which lenders serve the area and the property type matter more than the city.
Can I get a private mortgage in St. John's?
Yes, if private lenders or MICs serve Newfoundland and Labrador. Each bid lists every fee.
Do I need a St. John's mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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