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Please Note: Rates are only valid for subject properties located in Atlantic Canada
Today's rates

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 3.39%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: --

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2 Year

Everyday Rate: 3.59%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • 30yr amortization @ 3.69%

Limited Rate: 3.39%

  • High Ratio Purchase Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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3 Year

Everyday Rate: 3.74%

  • 25 year amortization and refinances available
  • 15% / 15%+ prepayment options.
  • 30 year amortization @ 3.84%

Limited Rate: 3.39%

  • High Ratio Only
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
  • Greater Halifax Only
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4 Year

Everyday Rate: 3.74%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
  • 30 year amortization @ 3.84%

Limited Rate: 3.59%

  • High Ratio Purchase Only
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
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5 Year

Everyday Rate: 3.82%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed
  • 15% increase to regular payments
  • 30 year amortizations at 3.92%

Limited Rate: 3.39%

  • High Ratio Purchase Only
  • 20%/20% pre-payment options
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10 Year

Everyday Rate: 4.34%

  • Refinancing available. 
  • 25 year amortization.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 4.09%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 3.25%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 2.75%

  • Prime -1.20%
  • High Ratio Only
  • Bona fide sales clause
  • Must close in 90 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 4.45%

  • Prime +0.50%

Limited Rate: --

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In a tentative market, save more.

With the Halifax housing market recently on the down-trend, activity in energy-related and shipbuilding industries is expected to push economic growth in the future. Interest rates and inflation are factors that will affect affordability in the market going forward, as different buying or selling sectors react to economic conditions.
 

At True North Mortgage, our Halifax mortgage brokers are serious about your time and money. We work hard to provide the lowest possible mortgage rates in Halifax and strive to find the best mortgage solutions. The best of bank and broker—we’re here for your mortgage needs. Visit us, call or apply online today.
 

Did you know? Our rates are lower.

Whether you’re investing in a first home, income or vacation property, our lower rates can help save you thousands. How do we do that? We deal with all the banks on your behalf, find the best rates and mortgage options, then pass our volume discount along to get your rate as low as possible. Even a fraction lower can make a big difference over the long term.
 

Worried about increases? We can hold your rate today.

Halifax mortgage rates can fluctuate—contact us, and we can hold your low mortgage rates for up to four months (depending on the lender). Then breathe easier, while we work with you to find the right mortgage fit.
 

Our mortgage brokers are the best.

Our highly-trained mortgage brokers know Halifax, the ins and outs of the market, and have trusted relationships with accredited lenders in your area. Whether in-person, on the phone or through our online service, we provide unified, exceptional service with a smile. Allow us to take the stress out of the mortgage process—contact us today.
 

Visit our Halifax location today