What are mortgage rates in Saskatoon 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 Saskatoon mortgages?
Every approved lender that serves Saskatchewan appears on this page automatically.
Mortgage renewal in Saskatoon
Saskatoon 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 Saskatoon
Refinance up to 80% of your Saskatoon 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 Saskatoon?
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.
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Frequently asked questions
What are mortgage rates in Saskatoon today?
See the best bids table above; post your request for bids on your own file.
Is a Saskatoon 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 Saskatoon?
Yes, if private lenders or MICs serve Saskatchewan. Each bid lists every fee.
Do I need a Saskatoon mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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