New BrunswickLive ratesUpdated Sep 22, 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.

FSRA #13737| 50+ languages

Best New Brunswick rates

Updated Sep 22, 2026

5-yr fixed

4.19%

5-yr variable

3.50%

3-yr fixed

4.04%

2-yr fixed

3.99%

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Live · updated Sep 22, 2026

Lowest offer per term across 100+ lenders

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Lender

Term

Type

Rate

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Marathon Mortgage Corp Best

Monoline Broker-only

5-yr

Variable

3.50%APR 3.50% · $2,796/mo

Apply now

Marathon Mortgage Corp Best

5-yr · Variable Broker-only

3.50%

APR 3.50% · $2,796/mo

Apply now

Radius Financial

Monoline Broker-only

3-yr

Variable

3.55%APR 3.55% · $2,811/mo

Apply now

Radius Financial

3-yr · Variable Broker-only

3.55%

APR 3.55% · $2,811/mo

Apply now

Marathon Mortgage Corp

Monoline Broker-only

0.5-yr

Fixed

3.64%APR 3.64% · $2,837/mo

Apply now

Marathon Mortgage Corp

0.5-yr · Fixed Broker-only

3.64%

APR 3.64% · $2,837/mo

Apply now

Marathon Mortgage Corp

A_LENDER Broker-only

6-yr

Fixed

3.64%APR 3.64% · $2,837/mo

Apply now

Marathon Mortgage Corp

6-yr · Fixed Broker-only

3.64%

APR 3.64% · $2,837/mo

Apply now

Scotiabank

Bank

2-yr

Fixed

3.99%APR 3.99% · $2,943/mo

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Scotiabank

2-yr · Fixed

3.99%

APR 3.99% · $2,943/mo

Apply now

Scotiabank

Bank

3-yr

Fixed

4.04%APR 4.04% · $2,958/mo

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Scotiabank

3-yr · Fixed

4.04%

APR 4.04% · $2,958/mo

Apply now

DUCA Financial Services Credit Union Ltd.

CREDIT_UNION

1-yr

Fixed

4.19%APR 4.19% · $3,004/mo

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DUCA Financial Services Credit Union Ltd.

1-yr · Fixed

4.19%

APR 4.19% · $3,004/mo

Apply now

Pine

A_LENDER Broker-only

5-yr

Fixed

4.19%APR 4.19% · $3,004/mo

Apply now

Pine

5-yr · Fixed Broker-only

4.19%

APR 4.19% · $3,004/mo

Apply now

Scotiabank

Bank

4-yr

Fixed

4.24%APR 4.24% · $3,019/mo

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Scotiabank

4-yr · Fixed

4.24%

APR 4.24% · $3,019/mo

Apply now

Scotiabank

Bank

7-yr

Fixed

5.00%APR 5.00% · $3,257/mo

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Scotiabank

7-yr · Fixed

5.00%

APR 5.00% · $3,257/mo

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Wealth One Bank of Canada

Alternate

1-yr

Variable

5.05%APR 5.05% · $3,273/mo

Apply now

Wealth One Bank of Canada

1-yr · Variable

5.05%

APR 5.05% · $3,273/mo

Apply now

TD Canada Trust

Bank

10-yr

Fixed

5.34%APR 5.34% · $3,366/mo

Apply now

TD Canada Trust

10-yr · Fixed

5.34%

APR 5.34% · $3,366/mo

Apply now

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

$344,000

New Brunswick province-wide MLS® HPI composite benchmark, New Brunswick REALTORS® (via CREA), July 2026. See the release.

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 →

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 2026-09-22T18:16:30.770Z

Maya

4.19%

5-yr fixed

3.50%

5-yr variable

5.95%

Lender prime

4.25%

BoC overnight

The best 5-year fixed mortgage rate is currently 4.19%, while the best 5-year variable rate is 3.50%. This means fixed rates are 69 basis points higher than variable rates; the lender's prime rate is 5.95%, influenced by the Bank of Canada's overnight rate of 4.25%, which indicates a downward trend in borrowing costs.

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

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FAQ

New Brunswick mortgage rates — common questions.

Don’t see yours? Ask Maya — instant answer in 50+ languages.

How affordable is New Brunswick compared to other provinces?

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.

What is the NB Real Property Transfer Tax on a $400K home?

Exactly $4,000 — flat 1.0% on the greater of purchase price or assessed value. Simpler than tiered provinces like Ontario or BC, and lower than most major-market alternatives.

Is bilingual French/English mortgage service available in NB?

Yes — NB is officially bilingual and lenders deliver documentation in both languages. We have French-speaking advisors. UNI Coopération Financière (the Acadian credit union) specializes in French-language mortgage files.

Which NB cities have the strongest investor activity?

Moncton has seen the strongest investor inflow from out-of-province buyers (especially Ontario buyers seeking cash-flow positive rentals). Fredericton has a stable government/university-driven rental market. Saint John is the most affordable entry but with thinner financing options for some property types.

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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