Looking for the best mortgage rates in Atlantic Canada?
Come home to your best mortgage rate and a high-tide of savings. Apply online, call, or visit today.
At True North Mortgage, our experienced mortgage brokers understand that every situation is unique. In the past few years, the housing markets in Atlantic Canada have seen the most growth nationally — and we want to help you get your lowest mortgage rate to save the most.
We know area markets inside and out, and our large volume allows us to pass along a rate discount. We have better rates than competitors and can often lower your rate from your bank!
Banks 'bank' on your business and typically offer higher rates because of it. Our expert brokers exist to provide you with a better option than having to go it alone. On your behalf, we access several accredited lenders and thousands of products to ensure you have the best rate and mortgage — which impacts your savings over the years.
Contact us today! Ask us questions or get quickly pre-approved to see your best mortgage rate (for which you qualify).
Our rates are 0.20% lower on average compared to everyone else. Prove it? Okay!
Learn MoreThe slider button tells all. Like how much you save with our lower rates.
Learn MoreRecently updated. Will we see rates ease this year? CEO Dan Eisner offers some insight…
Learn MoreThinking of buying a home, renewing or refinancing? Now's the time to contact us. We'll hold your rates before they change. If they go up, your rate is protected for up to 4 months (depending on the lender). If they go down, your expert True North broker also helps ensure your rate hold declines.
A rate hold helps you; you can't go back to yesterday's rate if it was lower before you called us. Get peace of mind while you house-shop or figure out the best way forward, such as finding your perfect home, getting together a down payment or improving your credit (we help with all of that, too!).
Need a friendly renewal reminder? Make sure you have enough time to get your best rate and options. Set one up here.
The best mortgage broker in Halifax. Why True North Mortgage? Because Canadian homeowners like you…
Learn MoreFinding a mortgage on your own can be difficult. The options are often overwhelming, and many online tools can be misleading or lack important information. We make the whole process simple and clear for your best mortgage experience, ever.
Highly trained and friendly, our True North Mortgage brokers are true to you. They're salaried and non-commissioned, so you get unbiased advice and their undivided attention for a simple, stress-free approval.
We have the most 5-star reviews in the industry for a reason — we save you money and time while helping with all your mortgage needs in your preferred language.
Give us a shout or apply online today!
For Atlantic Canada - Last Updated Nov 10 2023
2023 (average)
5.01%
6.22%
October
5.64%
6.89%
September
5.59%
6.89%
August
5.39%
6.89%
July
5.22%
6.39%
June
4.94%
5.92%
May
4.57%
5.84%
April
4.84%
5.84%
March
4.70%
5.84%
February
4.67%
5.84%
January
4.54%
5.84%
2022 (average)
4.09%
4.82%
December
4.69%
5.82%
November
4.92%
5.74%
October
5.01%
5.70%
September
4.59%
5.54%
August
4.44%
5.54%
July
4.49%
5.54%
June
4.52%
5.08%
May
4.12%
4.66%
April
3.80%
4.25%
March
3.17%
3.64%
February
2.76%
3.22%
January
2.62%
3.07%
2021 (average)
1.97%
2.42%
December
2.49%
2.94%
November
2.49%
2.92%
October
2.29%
2.66%
September
1.94%
2.39%
August
1.89%
2.39%
July
1.89%
2.39%
June
1.89%
2.39%
May
1.89%
2.29%
April
1.89%
2.29%
March
1.89%
2.29%
February
1.62%
2.06%
January
1.52%
1.99%
2020 (average)
2.13%
2.43%
December
1.59%
1.99%
November
1.69%
1.99%
October
1.69%
2.04%
September
1.87%
2.05%
August
1.97%
2.23%
July
2.09%
2.42%
June
2.09%
2.42%
May
2.30%
2.64%
April
2.56%
2.87%
March
2.41%
2.69%
February
2.61%
2.86%
January
2.70%
3.02%
2019 (average)
2.85%
3.10%
December
2.65%
2.93%
November
2.54%
2.92%
October
2.62%
2.94%
September
2.50%
2.84%
August
2.62%
2.79%
July
2.70%
2.90%
June
2.70%
2.90%
May
2.89%
3.09%
April
3.02%
3.21%
March
3.18%
3.37%
February
3.35%
3.58%
January
3.39%
3.68%
2018 (average)
3.17%
3.61%
December
3.39%
3.80%
November
3.40%
3.83%
October
3.33%
3.67%
September
3.24%
3.66%
August
3.24%
3.66%
July
3.15%
3.59%
June
3.15%
3.59%
May
3.15%
3.59%
April
3.00%
3.54%
March
3.00%
3.54%
February
3.04%
3.48%
January
2.92%
3.38%
2017 (average)
2.53%
2.88%
December
2.79%
3.29%
November
2.72%
3.29%
October
2.84%
3.27%
September
2.75%
3.15%
August
2.59%
2.99%
July
2.57%
2.80%
June
2.39%
2.49%
May
2.24%
2.54%
April
2.29%
2.62%
March
2.39%
2.72%
February
2.39%
2.72%
January
2.44%
2.74%
2016 (average)
2.33%
2.57%
December
2.42%
2.69%
November
2.20%
2.47%
October
2.11%
2.42%
September
2.29%
2.49%
August
2.29%
2.49%
July
2.29%
2.49%
June
2.29%
2.59%
May
2.34%
2.59%
April
2.36%
2.59%
March
2.39%
2.69%
February
2.44%
2.69%
January
2.49%
2.69%
2015 (average)
2.52%
2.66%
December
2.52%
2.69%
November
2.52%
2.69%
October
2.49%
2.59%
September
2.49%
2.59%
August
2.49%
2.59%
July
2.49%
2.59%
June
2.49%
2.59%
May
2.49%
2.59%
April
2.51%
2.66%
March
2.51%
2.66%
February
2.62%
2.82%
January
2.62%
2.82%
2014 (average)
2.98%
3.07%
December
2.74%
2.89%
November
2.92%
2.99%
October
2.92%
2.99%
September
2.92%
2.99%
August
2.92%
2.99%
July
2.92%
2.99%
June
2.97%
3.04%
May
2.97%
3.04%
April
2.97%
3.04%
March
3.02%
3.16%
February
3.14%
3.29%
January
3.31%
3.41%
2023 (average)
5.72%
6.89%
October
5.99%
7.30%
September
5.99%
7.30%
August
5.99%
7.30%
July
6.00%
7.19%
June
5.75%
6.85%
May
5.50%
6.60%
April
5.50%
6.60%
March
5.50%
6.60%
February
5.50%
6.60%
January
5.50%
6.60%
2022 (average)
2.91%
3.77%
December
5.25%
6.28%
November
4.75%
5.70%
October
4.75%
5.70%
September
4.25%
4.95%
August
3.50%
4.45%
July
3.20%
4.45%
June
2.59%
3.35%
May
2.15%
2.75%
April
1.65%
2.45%
March
1.13%
1.85%
February
0.99%
1.65%
January
0.99%
1.55%
2021 (average)
1.32%
1.58%
December
1.05%
1.55%
November
1.0%
1.55%
October
1.35%
1.55%
September
1.35%
1.55%
August
1.35%
1.55%
July
1.35%
1.55%
June
1.35%
1.55%
May
1.35%
1.55%
April
1.35%
1.55%
March
1.35%
1.55%
February
1.44%
1.65%
January
1.50%
1.75%
2020 (average)
2.04%
2.24%
December
1.65%
1.78%
November
1.70%
1.80%
October
1.70%
1.90%
September
1.80%
1.88%
August
1.80%
2.00%
July
1.95%
2.04%
June
1.95%
2.04%
May
2.05%
2.20%
April
2.06%
2.38%
March
2.38%
2.61%
February
2.75%
3.10%
January
2.75%
3.10%
2019 (average)
2.75%
3.20%
December
2.75%
3.10%
November
2.75%
3.10%
October
2.75%
3.10%
September
2.75%
3.10%
August
2.75%
3.10%
July
2.75%
3.10%
June
2.75%
3.10%
May
2.73%
3.20%
April
2.75%
3.20%
March
2.75%
3.40%
February
2.75%
3.45%
January
2.75%
3.45%
2018 (average)
2.38%
2.90%
December
2.75%
3.35%
November
2.75%
3.25%
October
2.56%
3.06%
September
2.41%
2.80%
August
2.41%
2.80%
July
2.41%
2.80%
June
2.21%
2.60%
May
2.21%
2.60%
April
2.21%
2.85%
March
2.21%
2.85%
February
2.21%
2.85%
January
2.17%
2.94%
2017 (average)
1.90%
2.47%
December
1.98%
2.75%
November
1.98%
2.75%
October
2.05%
2.75%
September
2.15%
2.69%
August
1.90%
2.50%
July
1.93%
2.50%
June
1.75%
2.25%
May
1.75%
2.25%
April
1.77%
2.25%
March
1.80%
2.30%
February
1.80%
2.30%
January
1.90%
2.30%
2016 (average)
2.04%
2.30%
December
1.90%
2.30%
November
1.90%
2.30%
October
1.90%
2.30%
September
1.95%
2.30%
August
1.95%
2.30%
July
1.95%
2.30%
June
2.15%
2.30%
May
2.15%
2.30%
April
2.15%
2.30%
March
2.15%
2.30%
February
2.15%
2.30%
January
2.15%
2.30%
2015 (average)
1.98%
2.19%
December
2.13%
2.20%
November
2.04%
2.16%
October
1.90%
2.05%
September
1.90%
2.05%
August
1.90%
2.05%
July
1.90%
2.25%
June
2.05%
2.25%
May
2.00%
2.25%
April
2.00%
2.25%
March
2.00%
2.25%
February
2.00%
2.25%
January
1.98%
2.28%
2014 (average)
2.38%
2.49%
December
2.15%
2.35%
November
2.30%
2.50%
October
2.30%
2.50%
September
2.40%
2.50%
August
2.40%
2.50%
July
2.40%
2.50%
June
2.40%
2.50%
May
2.40%
2.50%
April
2.40%
2.50%
March
2.45%
2.50%
February
2.50%
2.50%
January
2.50%
2.50%
Atlantic Canada housing activity has trended lower so far this year, yet markets are for the most part still favouring sellers amid continued lower inventory from a tight supply of new listings. Home prices have continued their gains, surpassing 2022 levels, especially in the metro areas of Halifax, Moncton and Saint John.
As Canada's previously most undervalued market, the Atlantic provinces have seen substantial growth in the past few years. Experts feel the Atlantic housing market will continue to be resilient in weathering the higher interest rates and economic volatility with continued population gains.
Which to choose, variable or fixed? Some pros and cons to help you decide.
Learn MoreHigher rates may paint you into a corner. Here’s help to find a way out.…
Learn MoreAre you mystified by mortgage rates? Here's how they work.
Learn MoreMortgage Rates are different across Canada. Rates are shown based on your location. If you're planning to purchase out-of-province, be sure to choose rates where the property will be located.
True North Mortgage can efficiently complete your mortgage anywhere you are in Canada — online, over the phone or at our store locations.