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New BrunswickLive ratesUpdated Jul 11, 2026

New Brunswick mortgage rates.

Among the most affordable major Canadian markets — Moncton, Fredericton, and Saint John all sit under $400K average. Stable employment in healthcare, education, and government.

5-star rated| FSRA #13737| 50+ languages

Best New Brunswick rates

Updated Jul 11, 2026

5-yr fixed

4.19%

5-yr variable

3.60%

3-yr fixed

4.19%

2-yr fixed

4.14%

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Live · updated Jul 8, 2026

Lowest offer per term across 100+ lenders

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Lender

Term

Type

Rate

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PB

Peoples Bank Best

Bank

5-yr

Variable

3.60%APR 3.60% · $2,826/mo

PB

Peoples Bank Best

5-yr · Variable

3.60%

APR 3.60% · $2,826/mo

Marathon Mortgage Corp

Monoline Broker-only

0.5-yr

Fixed

3.64%APR 3.64% · $2,837/mo

Marathon Mortgage Corp

0.5-yr · Fixed Broker-only

3.64%

APR 3.64% · $2,837/mo

Radius Financial

Monoline Broker-only

3-yr

Variable

3.65%APR 3.65% · $2,840/mo

Radius Financial

3-yr · Variable Broker-only

3.65%

APR 3.65% · $2,840/mo

Scotiabank

Bank

2-yr

Fixed

4.14%APR 4.14% · $2,988/mo

Scotiabank

2-yr · Fixed

4.14%

APR 4.14% · $2,988/mo

Marathon Mortgage Corp

Monoline Broker-only

5-yr

Fixed

4.19%APR 4.19% · $3,004/mo

Marathon Mortgage Corp

5-yr · Fixed Broker-only

4.19%

APR 4.19% · $3,004/mo

PB

Peoples Bank

Bank

3-yr

Fixed

4.19%APR 4.19% · $3,004/mo

PB

Peoples Bank

3-yr · Fixed

4.19%

APR 4.19% · $3,004/mo

PB

Peoples Bank

Bank

4-yr

Fixed

4.29%APR 4.29% · $3,034/mo

PB

Peoples Bank

4-yr · Fixed

4.29%

APR 4.29% · $3,034/mo

First National

Alternate Broker-only

1-yr

Fixed

4.69%APR 4.69% · $3,159/mo

First National

1-yr · Fixed Broker-only

4.69%

APR 4.69% · $3,159/mo

Home Trust

Alternate Broker-only

6-yr

Fixed

4.79%APR 4.79% · $3,190/mo

Home Trust

6-yr · Fixed Broker-only

4.79%

APR 4.79% · $3,190/mo

Scotiabank

Bank

7-yr

Fixed

5.10%APR 5.10% · $3,289/mo

Scotiabank

7-yr · Fixed

5.10%

APR 5.10% · $3,289/mo

TD Canada Trust

Bank

10-yr

Fixed

5.34%APR 5.34% · $3,366/mo

TD Canada Trust

10-yr · Fixed

5.34%

APR 5.34% · $3,366/mo

Est. payment shown on a $700,000 home, 20% down, 25-yr amortization. Rates updated daily. O.A.C., E.&O.E.

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New Brunswick rates by term

Compare the best New Brunswick rate for each term — fixed and variable.

5-Year Fixed 5-Year Variable 3-Year Fixed 3-Year Variable 2-Year Fixed 1-Year Fixed 4-Year Fixed 7-Year Fixed 10-Year Fixed

Benchmark price

$320,000

New Brunswick provincial average · 2026

New Brunswick Real Property Transfer Tax

Flat 1.0% on the greater of the purchase price or assessed value of the property.

Regulator

Financial and Consumer Services Commission (FCNB)

Official site →

Top New Brunswick lenders

RBCScotiabankTDUNI Cooperation FinancièreMCAPFirst National

Why New Brunswick rates work the way they do

New Brunswick has bilingual lender requirements in many parts of the province (especially the Acadian peninsula and Moncton metro). UNI Coopération Financière (Caisses Populaires Acadiennes) is the dominant French-language lender; major banks deliver bilingually.

Foreign-buyer rules: Federal foreign-buyer ban applies through 2027.

Mortgage brokers in New Brunswick

Same FSRA license, same 100+ lender network — applied to each New Brunswick market.

All New Brunswick cities →

Today’s rate read · New Brunswick

AI-generated from the live board · live feed · as of 2026-07-08T18:32:32.494Z

Maya

4.19%

5-yr fixed

3.60%

5-yr variable

5.95%

Lender prime

4.25%

BoC overnight

As of now, the best 5-year fixed mortgage rate is 4.19%, while the best 5-year variable rate stands at 3.60%, meaning fixed rates are currently 59 basis points higher than variable rates. The lender's prime rate is 5.95%, and the Bank of Canada's overnight rate is 4.25%, indicating a trend of potential rate decreases moving forward.

Estimates only — your rate depends on your file. FSRA #13737.

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FAQ

New Brunswick mortgage rates — common questions.

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Very — Moncton (~$365K), Fredericton (~$345K), and Saint John (~$285K) are among the most affordable major markets in Canada. Monthly carrying costs at current rates run roughly a third of Toronto or Vancouver for an equivalent property.

Rates in other provinces

Same broker, every province — pick yours.

National rate table →

Ontario British Columbia Alberta Quebec Manitoba Saskatchewan Nova Scotia Newfoundland and Labrador Prince Edward Island

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