What are mortgage rates in Regina 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 Regina mortgages?
Every approved lender that serves Saskatchewan appears on this page automatically.
Mortgage renewal in Regina
Regina 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 Regina
Refinance up to 80% of your Regina 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 Regina?
Saskatchewan has no land transfer tax. Land titles charges a transfer fee of 0.4% of value over $6,300.
| Item | Amount |
|---|---|
| Total transfer tax / registration fees | $1,600 |
Before first-time buyer rebates. Rules checked October 7, 2026.
Nearby cities
Frequently asked questions
What are mortgage rates in Regina today?
See the best bids table above; post your request for bids on your own file.
Is a Regina 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 Regina?
Yes, if private lenders or MICs serve Saskatchewan. Each bid lists every fee.
Do I need a Regina mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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