Your Moncton Mortgage, Shopped Across 100+ Lenders
Hub of NB; affordable detached + growing newcomer pool. The average price here is $383,611, which puts the legal minimum down payment at $19,181 (5.0% — tiered, not a flat 5%) and the household income you would need to qualify after the stress test at roughly $80,000. We shop that file across 100+ lenders, and Maya answers in 50+ languages while you wait.
We arrange mortgages for buyers and homeowners in every Moncton neighbourhood. Licensed office: 310-3100 Steeles Ave W, Vaughan, ON. Mon–Fri 9–5 ET; Maya answers 24/7.
Reviewed by Surrayya Afzal, Principal Broker · FSRA #M14001433 · Brokerage FSRA #13737 · Moncton market data last sourced July 2026
Moncton is the hub of New Brunswick and the part of Atlantic Canada absorbing the most newcomers, and both facts shape the financing. A large share of what trades here is newly built in Dieppe and Riverview, which brings builder timelines and, on investment purchases, the question of whether a lender will use projected rent before a unit has ever been tenanted. Newcomers arriving with thin or foreign credit files are ordinary rather than exceptional. New Brunswick charges its 1% Real Property Transfer Tax on the greater of your price or the assessed value, in cash on closing day, with no first-time-buyer rebate.
Moncton & Area average price, New Brunswick Real Estate Board (NBREB) — last sourced July 2026
Population
~85k
Latest census + StatCan
Lender network
100+ lenders
A · B · monoline · private
Languages
12+
Punjabi, Mandarin, Arabic, French + more
Moncton snapshot · 2026
What you’d need to buy in Moncton.
At Moncton’s ~$383,611 average price, here’s the down payment by scenario. Maya models your exact file — including New Brunswick land-transfer tax and CMHC premium — in seconds.
Minimum down — 5.0%
$19,181
5% on the first $500,000 + 10% on the balance. Insured; first-time-buyer friendly.
20% down (conventional)
$76,722
No mortgage default insurance; widest lender choice.
At 20% down (~$76,722) and a representative 5.04% 5-year fixed, a typical Moncton home (~$383,611) runs about $1,792/month in principal & interest over 25 years — roughly $80,000 in household income to qualify after the stress test.
Illustrative, based on Moncton’s published average price; your price band and program may differ. Run your affordability →
Programs in Moncton
Moncton mortgage brokers & agents for every situation
First home, renewal, refinance, investor portfolio — we have a path. One licensed brokerage, one 100+ lender network, one dedicated advisor on your file, arranging New Brunswick financing under FCNB requirements.
What matters on a Moncton file is pace: this is the fastest-growing part of Atlantic Canada, a lot of what trades is newly built, and lenders differ on whether they will use projected rent on a unit that has never been tenanted or insist on a signed lease first. That is a panel question. A named licensed agent owns your file, Surrayya reviews it as Principal Broker, and both licences are on the FCNB register.
Moncton isn’t one mortgage market. The dominant property form in each pocket decides how your file is underwritten and where it can go wrong — so here is what each one means for financing, rather than a list of names. This is general guidance by property form; your exact price band, lender fit and program are confirmed on your file.
Moncton neighbourhoods by dominant property form and the financing consideration each one triggers.
Neighbourhood
Typical property form
What it means for your financing
Riverview
Post-war and newer detached subdivision
Established suburban stock, comfortably insurable, so the flat 5% minimum applies to most purchases at this price band. Wood stoves and older oil tanks are the two insurance conditions to settle early.
Dieppe
Newer detached and townhouse subdivision
The region's most active recent build-out. On a builder purchase the rate hold has to reach the final closing date, and New Brunswick's Real Property Transfer Tax — provincial, flat 1%, and charged on the greater of your price or the assessed value — is worth costing before you sign, because a new build's assessment can land above what you paid.
Magnetic Hill
Detached on larger lots at the rural edge
Outside the serviced boundary, well potability and flow results and a functioning septic become funding conditions, and excess acreage carries little lending value.
Lakeville
Rural detached on acreage
Genuinely rural title: lenders finance the house and a limited parcel, discount or exclude outbuildings, and the panel narrows to those comfortable with private servicing.
Grounded in the underwriting rules on this page — the condo status-certificate review, the $1.5M mortgage-insurance ceiling, freehold appraisal risk, rental-suite income add-back and private servicing. We don’t publish per-neighbourhood price bands or lender names; Get your file assessed for the specifics.
Buying or refinancing just outside Moncton? We broker across the whole region — borrowers here most often cross-shop mortgage options in Halifax and Fredericton, where average prices and lender appetite differ enough to change the file.
In New Brunswick we shop the Big-6 banks and national monolines alongside regional lenders like UNI Financial Coopération, Bayview Credit Union — several of which qualify on the contract rate rather than the stress-test rate, which can be the difference on a tight Moncton file.
UNI Financial Coopération Bayview Credit Union
Worked example · Riverview
Priced end to end: a Moncton freehold purchase
2 of the 4 Moncton pockets described above are freehold, so this models a detached or semi purchase in Riverview, where the stock is post-war and newer detached subdivision. On a freehold file the appraisal carries the risk your income does not — and in a competitive market the pressure to waive the financing condition moves that risk from the lender onto you. At Moncton's $383,611 average the purchase is insurable, so the tiered legal minimum applies — 5% on the first $500,000 plus 10% on the balance, not the flat 5% that gets repeated everywhere.
A worked Moncton purchase at the local average price — down payment, mortgage, payment, qualifying income and land transfer tax. Illustrative arithmetic, not a client file.
Purchase priceMoncton average, New Brunswick Real Estate Board (NBREB)
$383,611
Down payment — the legal minimum5.0% — 5% on the first $500,000 plus 10% on the balance
$19,181
Default insurance premiumFinanced onto the mortgage, not paid in cash — though some provinces charge sales tax on the premium at closing
$14,577
Mortgage amountPurchase price less the down payment, plus the financed premium
$379,007
Monthly payment4.14% 5-year fixed over 25 years — today's sharpest rate on our board
$2,023
What a lender qualifies you onThe stress test prices the same mortgage at 6.14% — the greater of your rate plus 2% or 5.25%
$2,457
Household income neededHolding the stress-tested payment plus property tax and heat under a 39% gross debt-service ratio
$89,000
Land transfer taxPayable in cash at closing
$3,836
Cash needed at closingDown payment plus land transfer tax, before legal fees, title insurance, inspection and appraisal
$23,017+
What usually complicates this file in Riverview: Established suburban stock, comfortably insurable, so the flat 5% minimum applies to most purchases at this price band.
Illustrative arithmetic on Moncton’s published average price — not a client file, and not a quote. Every figure is computed by the same functions that drive our calculators, so your own numbers replace these exactly. Get your real figures or run them yourself.
Moncton mortgage guide
Buying or financing a home in Moncton.
The Moncton mortgage market in 2026
As of 2026, the average price in Moncton is roughly $383,611 (New Brunswick, population ~85k). Moncton is the hub of New Brunswick, with detached affordability and a fast-growing newcomer population fuelling first-time demand across Riverview and Dieppe. Strong rental yields also bring out-of-province investors into the small-multiplex market. At that price, 20% down is about $76,722, and you’d need roughly $80,000 in household income to qualify at the stress-test rate of 7.04% — the greater of your contract rate + 2% or 5.25%. The legal minimum down here is $19,181 (5.0%) — 5% on the first $500,000 plus 10% on the balance — with a default-insurance premium financed on top: a smaller cash outlay now for a slightly higher monthly payment. We model your exact Moncton numbers — price band, down payment, and the stress test — before you ever write an offer.
What it really costs to buy in Moncton
Your down payment is only part of the cash you need to close. Budget the full stack: the down payment ($19,181–$76,722 at this price), a CMHC, Sagen, or Canada Guaranty insurance premium if you put less than 20% down (financed into the mortgage), New Brunswick's Real Property Transfer Tax — a flat 1%, levied by the province rather than the municipality, and charged on the GREATER of your purchase price or the property's assessed value, and closing costs — legal fees, title insurance, inspection, and appraisal — of roughly 1.5–4% of the price. Ask us which first-time-buyer rebates and exemptions apply in your province. We give you the exact cash-to-close for your Moncton purchase up front, so nothing is a surprise at the lawyer’s office.
Who we help in Moncton
Newcomers qualifying on international credit or a short Canadian history, which is a routine file here rather than an unusual one. First-time buyers at prices where the FHSA and the RRSP Home Buyers' Plan cover a real share of the purchase. Investors on a rent-to-price relationship that still works, where the question is how much of the rent a lender will count. Buyers of new-build in Dieppe and Riverview, and of rural acreage out toward Lakeville, where well and septic decide the lender list. Plus self-employed borrowers, renewals and consolidation refinances.
Why a local Moncton broker beats the bank branch
Two questions decide more files here than the rate. Whether a lender will use projected rent on a newly built unit, or insists on a signed lease first — which on an investment purchase changes what you qualify for entirely. And how a lender reads a short Canadian credit history, because in a market growing on in-migration that is a large share of the applications. Behind both sits the constant every Atlantic file carries: an oil tank past its service life, or an uncertified wood stove, will stop a closing — not because the lender objects but because no insurer will bind coverage, and no lender funds without it. At $383,611 the mortgage itself is rarely the obstacle. Across 100+ lenders all three are choices rather than verdicts, and we settle them before the condition date.
Broker vs bank
Moncton mortgage broker vs your bank branch
A branch is one lender with one credit policy. A brokerage puts the same file in front of many. Here is the difference row by row — and underneath, what a rate gap is worth on a Moncton-sized mortgage.
Working with a Moncton mortgage broker compared with going directly to a bank branch.
What differs
Mortgage Squad (Moncton)
A single bank branch
Lenders your file is shown to
100+ — big banks, monolines, credit unions, B-lenders and private, including regional New Brunswick lenders like UNI Financial Coopération and Bayview Credit Union
One — the bank you walked into, on its own products and its own credit policy
If that lender declines
The file moves to the next lender on the panel without starting over — and there is a B and private tier behind the A tier
The application ends there; you begin again somewhere else, with a second credit inquiry
Who pays for the advice
On prime (A-lender) mortgages the lender compensates the brokerage on funding — no direct borrower-paid fee. B and private files can carry a fee, disclosed in writing in advance
Built into the branch's pricing; the discount off posted is whatever you negotiate
Rate you're quoted
The lowest placeable rate on the panel for your file — today that's 4.14% on a 5-year fixed, updated daily
That bank's own sheet, discounted off its posted rate on request
Local property types
We place Moncton files weekly and know which lenders are comfortable with Atlantic's property forms
One credit policy applied nationally, whatever the local stock looks like
Prepayment penalty math
We compare the penalty terms, not just the rate — several lenders calculate the interest rate differential far more fairly than the posted-rate method
Many big banks compute the IRD from inflated posted rates, which can multiply the cost of breaking early
Rental income in a market that is actually growing
In a market absorbing this much in-migration we know which lenders will use projected rent on a newly built unit and which want a signed lease in hand first
One rental-offset policy, written for a market that is not growing
What a rate gap costs in Moncton
On a $306,889 mortgage — 20% down against Moncton’s ~$383,611 average price — over a 25-year amortization and a 5-year term. The first row is today’s lowest 5-year fixed on our 100+ lender network; the next two show the same mortgage a quarter and a half point higher.
Monthly payment and five-year cost of a $306,889 Moncton mortgage at three rates.
5-year fixed rate
Monthly payment
Owing at renewal
Cost of the 5-year term
4.14%our best today
$1,638
$267,807
$59,178
4.39%+0.25%
$1,680
$268,944
$62,845
4.64%+0.50%
$1,723
$270,058
$66,520
“Cost of the term” is everything paid over the 60 payments less the principal actually retired, so a higher payment isn’t credited as a saving. On this mortgage, half a point is $7,342 over one term. Illustrative arithmetic at the stated rates, not a quote — your rate depends on your file, and every figure here recomputes daily from our live board. See all Moncton rates →
Why us in Moncton
What to look for in a Moncton mortgage broker
Our advisors know which lenders price aggressively in Moncton, which ones flex on Atlantic property types, and which programs match the buyer profile here.
FSRA Licensed #13737 · MBLAA · FINTRAC-reporting
Dedicated licensed advisor
Maya AI for instant answers, 24/7
Rate Beat Guarantee — beat any Big 6 offer or $500 (yours, or to your favourite charity)
Verified Google reviews from clients across Canada.
Why a local broker
5 reasons to choose a local mortgage broker in Moncton
If you’re buying, renewing, or refinancing in Moncton, here’s why working with a local broker beats your bank’s first offer.
1
Newcomer files and rental income, placed with lenders who want them
Moncton grows on in-migration and new construction, and both produce files a single branch policy reads badly. We place them with lenders that read them properly, and cost the transfer tax against the assessment before you write.
2
100+ lenders, not one bank's posted rate
Banks quote their own rate. We put your Moncton file in front of 100+ lenders — big banks, monolines, credit unions, and private — and bring back the sharpest offer for your situation. Worth knowing what that is worth here: on the $306,889 a Moncton purchase at the local average implies, half a point costs $7,342 over a single five-year term.
3
The full solution set under one roof
Purchase, renewal, refinance, HELOC, self-employed, new-to-Canada, and private lending — so whatever your Moncton situation, there's a path without starting over somewhere else.
4
Answers 24/7 in 50+ languages
Maya, our AI mortgage advisor, answers instantly any time — and a licensed FCNB advisor takes over the moment your file gets real. Your Moncton file is closed by a real estate lawyer, and we work to their timeline as well as the lender's.
5
Pre-approval in 24 hours, every pocket of the city
From Riverview, Dieppe, Magnetic Hill and beyond, we move fast — most Moncton pre-approvals are back within 24 hours, with no credit-bureau pull to start.
Frequently asked questions — Moncton
Don’t see yours? Ask Maya — instant answer in 50+ languages.
How do I choose the best mortgage broker in Moncton?
Compare six things. Licensing — every brokerage and agent is on a public register (FCNB in New Brunswick), so verify rather than take a badge on a website at face value. Lender access — how many lenders can they actually place with, and does that include B and private lenders if your file needs one? Reviews you can check at the source, not screenshots. Rate options — will they show you fixed and variable, and explain the trade-off rather than steer you? Communication — who answers when something goes wrong two days before closing? And local experience — someone who works Moncton files knows which lenders price this market's property types well. A broker who won't answer those plainly has told you something. Ask two things. How a lender treats projected rent on a newly built unit — and when they check the oil tank and the wood stove, because a tank past its service life or an uncertified stove stops a closing whatever your approval says.
Is it better to use a mortgage broker or a bank in Moncton?
It depends on your profile, and any broker who says otherwise is selling. A bank can only offer you its own products and its own read of your file — which is genuinely fine if you're a straightforward salaried applicant with strong credit and your bank is competitive that week. A broker compares multiple lenders, which matters most when your file has an edge to it: self-employed income, newcomer credit, a bruised score, a condo the bank doesn't like, or a tight closing. We shop 100+ lenders for Moncton clients and we'll tell you when your own bank's offer is already the best one on the table. See bank vs mortgage broker for the honest comparison.
How much does a mortgage broker cost in Moncton?
It depends on the lender and the product type. On most prime (A-lender) mortgages there is no direct borrower-paid broker fee — the lender compensates the brokerage on funding, which is why the service is typically free to you on a standard purchase, renewal or refinance. On a typical Moncton file — $306,889 borrowed against the ~$383,611 local average at 20% down — that means the entire cost of the advice sits on the lender's side of the ledger, not yours. Where a fee can apply is alternative lending: B-lender and private mortgage files often carry a brokerage and/or lender fee, because those deals take more work and the lender doesn't pay the same way. Anyone quoting you a fee before they've seen your file is guessing. Ours is disclosed in writing, in advance, every time — no fee should ever be a surprise at the lawyer's office.
Are you a mortgage broker or a mortgage agent in Moncton?
Both terms apply. Mortgage Squad Advisors is an FSRA-licensed Ontario brokerage (#13737), and your file is handled by a licensed mortgage agent on our team. New Brunswick brokering is overseen by the FCNB (Financial and Consumer Services Commission of New Brunswick), and we arrange New Brunswick financing in compliance with its requirements — directly or through licensed partner brokers where provincial registration requires it. Whether you searched "mortgage broker Moncton" or "mortgage agent Moncton", you've reached the same place — an advisor with access to 100+ lenders. New to brokers? See what a mortgage broker is and how they're paid.
Is there a mortgage broker near me in Moncton?
Yes. We arrange mortgages across every Moncton pocket — Riverview, Dieppe, Magnetic Hill, Lakeville and the rest — from our licensed office at 310-3100 Steeles Ave W in Vaughan.The neighbourhood table above sets out what the dominant property form in each pocket means for your financing. You get a named, licensed advisor plus Maya for instant answers 24/7.
What are average closing costs in Moncton?
Budget roughly 1.5% to 4% of the purchase price, on top of your down payment and payable in cash at closing. The stack is the same everywhere; the sizes differ. You pay New Brunswick's Real Property Transfer Tax — a flat 1%, levied by the province rather than the municipality, and charged on the GREATER of your purchase price or the property's assessed value. Legal fees, title insurance, a home inspection and an appraisal make up most of the rest, plus adjustments reimbursing the seller for prepaid property tax and utilities. If you put less than 20% down, the default-insurance premium is financed onto your mortgage rather than paid in cash — but some provinces charge sales tax on that premium at closing. Ask us which first-time-buyer rebates and exemptions apply in your province. New-build purchases add builder adjustments — development levies, utility connections and enrolment fees — that are billed at final closing and aren't always capped in the agreement. We give you the exact cash-to-close for your Moncton file before you write an offer, and you can model the tax yourself with our land transfer tax calculator and closing costs calculator.
Which neighbourhoods have the best value in Moncton?
We don't publish per-neighbourhood price rankings, and you should be sceptical of any broker who does — a "best value" list is an opinion dressed as data, and prices at that granularity move faster than a web page. What we can tell you is the part that actually changes your mortgage: the dominant property form in a pocket decides how your file is underwritten. Condo-heavy areas mean the corporation is assessed alongside you — a review of the condominium corporation's disclosure documents can surface reserve-fund or special-assessment problems that stall an approval regardless of your income. Freehold pockets shift the risk to the appraisal, especially if you waive a financing condition to win. And areas whose typical price clears $1.5 million can't be default-insured at all, which makes 20% down the legal minimum rather than a choice. The table on this page maps each Moncton pocket to the consideration its property form triggers. Tell us the neighbourhoods you're weighing and we'll price the financing for each against your actual file. Much of what trades here is newly built, so the choice between a new subdivision and older stock changes the insurer's questions as much as the price.
What's the minimum down payment for a home in Moncton?
At Moncton's ~$383,611 average price, the legal minimum is $19,181 — 5.0%. It is tiered, not a flat 5%: 5% on the first $500,000 plus 10% on everything above that. This is the single most common budgeting error we see, because "5% minimum" is repeated everywhere and stops being true above $500,000. The default-insurance premium is then financed onto the mortgage rather than paid in cash. First-time buyers and new-build purchasers can also use a 30-year amortization on an insured mortgage, which lowers the payment your stress test is applied to. Run your own price band →
How much income do I need to buy a home in Moncton?
At Moncton's ~$383,611 average price with 20% down at a representative 5.04% 5-year fixed, you'd need roughly $80,000 in household income to qualify after the stress test — less with a co-applicant or a larger down payment, more if you carry other debt. We'll model your exact file in minutes. Whether a lender will use projected rent on a newly built unit, or wants a signed lease first, is the question that most often decides an investment file here.
How do lenders decide how much mortgage I qualify for in Moncton?
Lenders run two debt-service ratios. Your GDS ratio (Gross Debt Service) — housing costs (mortgage payment, property tax, heat, plus half of any condo fees) measured against gross income — generally has to stay under about 39%, and your TDS ratio (Total Debt Service), which adds car loans, credit cards and other debt, under about 44%. Both are tested at the stress-test rate: the greater of your contract rate plus 2% or 5.25%. On a Moncton purchase at the ~$383,611 average with 20% down, that means a lender qualifies you on a payment of about $2,157 a month rather than the $1,792 you would actually pay at a representative 5.04% — which is why the household income the test demands lands near $80,000. Pay down other debt or add a co-applicant and that budget rises. Our GDS & TDS guide and stress test guide show the full math, or run your numbers and have Maya model it in minutes. A short Canadian credit history is ordinary in this market rather than exceptional, and lenders differ sharply on how they read one.
Should I choose a fixed-rate or variable-rate mortgage in Moncton?
It depends on your risk tolerance and rate outlook, and anyone who answers it without seeing your file is guessing. A fixed-rate mortgage locks your rate and payment for the whole term — predictable, and the popular choice when rates are uncertain. A variable-rate mortgage moves with the lender's prime rate (which tracks the Bank of Canada policy rate); it often starts lower and can save money if rates fall, but your payment or amortization shifts if they rise. Here is what the spread is worth on a Moncton-sized mortgage: on $306,889 over a five-year term, half a point costs $7,342 more in interest and lost principal than the sharpest rate on our board today. That is the number the fixed-versus-variable argument is actually about. Terms run 1, 2, 3 and 5 years. See our fixed vs variable and 3- vs 5-year term breakdowns, and we'll compare both on your real numbers.
What credit score do I need for a mortgage in Moncton?
For the best A-lender rates, most lenders look for a credit score of about 680 or higher. Scores in the 600s can still qualify, often at a slightly higher rate or with more down payment. Below the low 600s, B-lenders and private lenders take over — many work with scores down to roughly 500 on an equity-based approval, with a plan to move you back to A-pricing in 12–24 months. What that costs in Moncton specifically: a B-lender file is typically capped at 80% of value, so on the ~$383,611 local average you would need about $76,722 down rather than the $19,181 an insured A-lender file allows. The gap between those two numbers is the real price of a bruised score here. Our credit score guide explains the bands, and we'll tell you exactly where your Moncton file stands. What most often derails a file here is insurance-side rather than credit-side, and it surfaces late unless somebody plans for it.
What's the average home price in Moncton?
The average selling price in Moncton is approximately $383,611 — Moncton & Area average price, New Brunswick Real Estate Board (NBREB), last sourced July 2026. Treat it as a starting point, not a target: an average blends every property form in the market, so the detached and condo figures behind it sit well apart. What the average IS good for is the arithmetic on this page — the $19,181 minimum down payment and the ~$80,000 qualifying income are both computed from it. We model your file at the price band you are actually shopping.
What documents do I need for a mortgage in Moncton?
Standard Canadian mortgage documents: two pieces of government photo ID, two years of T4s and Notices of Assessment, recent pay stubs, 90-day proof of down-payment funds, and your purchase agreement once you have one. The 90-day rule catches more Moncton buyers than anything else on that list — at a $19,181 minimum down payment, every dollar has to be traced, and a large deposit that appeared last week needs a paper trail or a gift letter before a lender will count it. Self-employed, newcomer and rental-income files each add their own list. We send you a precise one after a five-minute intake rather than a generic checklist. Expect the insurer's requirements alongside the lender's: tank age and certification, wood-stove certification, and well and septic evidence out toward Lakeville where properties sit off municipal services.
Do you work with first-time buyers in Moncton?
Yes — they are a core part of our practice. We help you stack the programs: the FHSA (up to $40,000 lifetime contribution room, tax-deductible), the RRSP Home Buyers' Plan with its 15-year repayment, first-time-buyer land transfer tax rebates where New Brunswick offers them, and insured paths below 20% down. Under the 2024 rules, 30-year amortization is available to first-time buyers and on new-build purchases, which lowers the payment your stress test is applied to. In Moncton the arithmetic works out like this: $19,181 is your legal minimum down payment on the ~$383,611 average, and a full FHSA plus an HBP withdrawal — $40,000 and up to $60,000 per person — covers it outright for most couples buying here. We run a stress-test simulation before you write any offer.
Who regulates mortgage brokers in New Brunswick?
Mortgage brokering in New Brunswick is regulated by the FCNB (Financial and Consumer Services Commission of New Brunswick). Mortgage Squad Advisors is a licensed brokerage (FSRA #13737, Ontario head office) and arranges New Brunswick financing in compliance with the FCNB requirements — directly or through licensed partner brokers where provincial registration requires it. All advisors are FINTRAC-trained.
How long does pre-approval take in Moncton?
Most clients have a written pre-approval within 24 to 72 hours of sending documents. Maya gives you ballpark numbers in 60 seconds; the formal pre-approval needs a credit pull and an underwriting review. We would rather you went in pre-approved and kept the condition.
Do you handle complex files like self-employed or new-to-Canada in Moncton?
Yes — they are most of what a broker is for. Moncton is the hub of New Brunswick, with detached affordability and a fast-growing newcomer population fuelling first-time demand across Riverview and Dieppe. Strong rental yields also bring out-of-province investors into the small-multiplex market. Self-employed, newcomer, multi-unit, alt-A and private files are all in our daily flow, and each one is a lender-selection problem before it is a rate problem: the spread between the lender who reads your income most accurately and the one who reads it most conservatively is far wider than the spread between their posted rates. We pair you with an advisor who works your file type. Newcomer credit, new-build rental projections and older-stock insurability are the routine placement questions here, not the unusual ones.
What rates can I get in Moncton today?
The sharpest 5-year fixed across our network today is approximately 4.14%, with variable around 3.44%. Rates do not vary by city — the same lenders price the same products across New Brunswick — so treat any "Moncton rate" as our network rate applied to your file. What IS local is the size of the mortgage it sits on: on $306,889, which is 80% of the ~$383,611 local average, each quarter-point is real money over a five-year term. See the rate-gap table on this page for the exact figure. Your own rate depends on income, credit, loan-to-value and property type. Our live Moncton rate board has the full ladder.
Our clients, in their words
Files from across our book, each labelled with the city it actually closed in — we don’t re-tag a quote to Moncton, or to New Brunswick, to make a page look more local than it is. Names and identifying details are anonymised; the outcomes and figures are real. Read our verified Google reviews →
“Stated-income deal with 35% down. The bank wanted 40% and an alt-A rate. The team got me 35% down at A-lender pricing through a major-bank BFS program I didn't know existed. Significant savings over the life of the loan.”
— Rachel W., Oakville, ON · 2025
Stated income · 35% down · A-lender rate
“I had 4 rentals and my Big-6 bank said I'd hit my limit. Mortgage Squad Advisors moved me to a monoline that used 100% rental offset and didn't cap doors. I closed 3 more properties in the next 18 months and refinanced two existing ones at better rates. Total portfolio cashflow up $4,200/month.”
— Daniel K., Hamilton, ON · 2025
+3 doors in 18 mo · $4,200/mo cashflow gain
“My current bank wanted to charge an $11,800 IRD penalty to break my mortgage. Mortgage Squad Advisors ran the exact calculation and confirmed it was correct under TD's posted-rate IRD formula. They then found a refi at a monoline where the net-of-penalty math still saved us $14K over the new 5-yr term. We did the deal.”
