What are mortgage rates in Halifax 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 Halifax mortgages?
Every approved lender that serves Nova Scotia appears on this page automatically.
Mortgage renewal in Halifax
Halifax 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 Halifax
Refinance up to 80% of your Halifax 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 Halifax?
Nova Scotia municipalities charge a deed transfer tax of up to 1.5% (Halifax charges 1.5%). Non-residents may pay an additional provincial deed transfer tax.
| Item | Amount |
|---|---|
| Total transfer tax / registration fees | $6,750 |
Before first-time buyer rebates. Rules checked October 7, 2026.
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Frequently asked questions
What are mortgage rates in Halifax today?
See the best bids table above; post your request for bids on your own file.
Is a Halifax 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 Halifax?
Yes, if private lenders or MICs serve Nova Scotia. Each bid lists every fee.
Do I need a Halifax mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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