SaskatchewanLive ratesUpdated Sep 22, 2026

Saskatchewan mortgage rates.

Affordable Prairie market with stable employment from agriculture, energy, and potash. Saskatoon and Regina dominate origination.

FSRA #13737| 50+ languages

Best Saskatchewan 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%

Lock in my Saskatchewan rate

Which lender will approve you?

Tell Maya your situation, or tap what fits to see the lenders that typically qualify it.

Or filter by your situation

Check if you qualify Speak to Maya Call Maya

Live · updated Sep 22, 2026

Lowest offer per term across 100+ lenders

Filter

Lender

Term

Type

Rate

Apply

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

Apply now

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

Apply now

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

Apply now

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

Apply now

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

Apply now

Scotiabank

7-yr · Fixed

5.00%

APR 5.00% · $3,257/mo

Apply now

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.

Get my exact rate

Saskatchewan rates by term

Compare the best Saskatchewan 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

Average price

$385,000

Saskatchewan provincial average · 2026 estimate

Saskatchewan — Title Registration Fee (no LTT)

Saskatchewan has no Land Transfer Tax. You pay ISC registration fees instead: 0.4% of the title value to transfer title, plus a banded flat fee of $200-$1,000 to register the mortgage — around $1,875 on a $400,000 purchase with 20% down.

Regulator

Financial and Consumer Affairs Authority of Saskatchewan

Official site →

Top Saskatchewan lenders

RBCScotiabankConexus Credit UnionAffinity Credit UnionMCAPFirst National

Why Saskatchewan rates work the way they do

Saskatchewan has strong credit-union competition (Conexus, Affinity, Innovation Credit Union) competing actively with the Big-6 and monolines. Agricultural and energy-sector income files are common — we shop lenders that handle commission and seasonal income properly.

Mortgage brokers in Saskatchewan

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

All Saskatchewan cities →

Today’s rate read · Saskatchewan

AI-generated from the live board · live feed · as of 2026-09-22T21:01:33.060Z

Maya

4.19%

5-yr fixed

3.50%

5-yr variable

5.95%

Lender prime

4.25%

BoC overnight

In Saskatchewan, the best 5-year fixed mortgage rate is currently 4.19%, while the best 5-year variable rate is 3.50%, indicating that fixed rates are 69 basis points higher than variable rates. The Bank of Canada's overnight rate is at 4.25%, which suggests a downward trend, while the lender's prime rate is at 5.95%, serving as a benchmark for variable rate mortgages.

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

Ask Maya about Saskatchewan mortgage rates

Instant answers · 50+ languages · no credit pull

Estimates only — a licensed advisor confirms your file. FSRA #13737.Open full chat

FAQ

Saskatchewan mortgage rates — common questions.

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

Does Saskatchewan have a land transfer tax?

No — Saskatchewan does not charge a provincial Land Transfer Tax. You pay ISC registration fees instead: 0.4% of the title value to transfer title, plus a flat banded fee to register the mortgage ($200 under $250,000, rising to $1,000 above $1 million). On a $400K Saskatoon home with 20% down that is $1,600 plus $275, so about $1,875 — against ~$5,650 in land transfer tax on the same purchase in Manitoba, or ~$4,475 in Ontario. Rates in force 15 April 2026.

Are Saskatchewan credit unions a good mortgage option?

Yes — Conexus, Affinity, and Innovation Credit Union are all major Saskatchewan mortgage lenders with competitive rates and often more flexible qualification for agricultural and self-employed borrowers. We compare them on every applicable Saskatchewan file.

How do lenders handle farm income in Saskatchewan?

Most A-lenders average the past 2-3 years of farm income from line 14100 of the T1. Crop insurance proceeds and AgriStability payments can be included with documentation. We have specific lenders that specialize in farm-income mortgage files.

Which Saskatchewan cities have the highest mortgage volume?

Saskatoon (~$425K average price) and Regina (~$345K) dominate, accounting for the majority of provincial mortgage origination. Prince Albert (~$245K) and smaller centres see lower volume but very affordable entry points.

Rates in other provinces

Same broker, every province — pick yours.

National rate table →

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

Lock in your best Saskatchewan rate today.

5-minute pre-qualification. No credit check to begin. Your dedicated Saskatchewan advisor responds within the next business hour.