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Newfoundland and LabradorLive ratesUpdated Jun 24, 2026

Newfoundland and Labrador mortgage rates.

Most affordable major-market home prices in Atlantic Canada, with St. John's dominating origination. Strong commission and offshore-worker income files.

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

Best Newfoundland and Labrador rates

Updated Jun 24, 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 Jun 16, 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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Newfoundland and Labrador rates by term

Compare the best Newfoundland and Labrador 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

$345,000

Newfoundland and Labrador provincial average · 2026

NL Registration Fees (no LTT)

Newfoundland and Labrador does not charge a Land Transfer Tax. Closing costs include a Document Registration Fee (~$100 + $0.40 per $100 of value over $500) — typically $1,500-$2,500 total.

Regulator

Digital Government and Service NL (Real Estate Trading)

Official site →

Top Newfoundland and Labrador lenders

RBCScotiabankTDNewfoundland and Labrador Credit UnionMCAPFirst National

Why Newfoundland and Labrador rates work the way they do

NL has thinner lender competition than larger provinces — Big-6 + monolines plus NL Credit Union dominate. Offshore-worker income files (oil platform workers, marine sector) are common and require lenders that handle rotational schedules and overseas income properly.

Mortgage brokers in Newfoundland and Labrador

Same FSRA license, same 100+ lender network — applied to each Newfoundland and Labrador market.

All Newfoundland and Labrador cities →

Today’s rate read · Newfoundland and Labrador

AI-generated from the live board · live feed · as of 2026-06-16T10:19:30.225Z

Maya

4.19%

5-yr fixed

3.60%

5-yr variable

5.95%

Lender prime

4.25%

BoC overnight

Today's posted ranges (illustrative — see /rates for live): • 5-yr fixed: ~4.19–4.39% • 5-yr variable: ~4.04–4.24% • 3-yr fixed: ~4.29–4.49% • HELOC: ~6.45% Fixed gives certainty, variable historically wins long-term but moves with the BoC. Want me to model both for your scenario?

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

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FAQ

Newfoundland and Labrador mortgage rates — common questions.

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

No — NL does not charge a provincial LTT. You pay only Document Registration Fees at approximately $100 plus $0.40 per $100 of property value above $500. On a $350K St. John's home, that's roughly $1,500.

Rates in other provinces

Same broker, every province — pick yours.

National rate table →

Ontario British Columbia Alberta Quebec Manitoba Saskatchewan Nova Scotia New Brunswick Prince Edward Island

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