SaskatchewanLive ratesUpdated Oct 9, 2026

Saskatchewan mortgage rates.

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

FSRA #13737| 15+ languages

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Best Saskatchewan rates

Updated Oct 9, 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 Oct 9, 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%$2,796/mo

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Marathon Mortgage Corp Best

5-yr · Variable Broker-only

3.50%

$2,796/mo

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Radius Financial

Monoline Broker-only

3-yr

Variable

3.55%$2,811/mo

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Radius Financial

3-yr · Variable Broker-only

3.55%

$2,811/mo

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Marathon Mortgage Corp

Monoline Broker-only

0.5-yr

Fixed

3.64%$2,837/mo

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Marathon Mortgage Corp

0.5-yr · Fixed Broker-only

3.64%

$2,837/mo

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Scotiabank

Bank

2-yr

Fixed

3.99%$2,943/mo

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Scotiabank

2-yr · Fixed

3.99%

$2,943/mo

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Scotiabank

Bank

3-yr

Fixed

4.04%$2,958/mo

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Scotiabank

3-yr · Fixed

4.04%

$2,958/mo

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RFA Bank of Canada

A_LENDER

1-yr

Fixed

4.19%$3,004/mo

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RFA Bank of Canada

1-yr · Fixed

4.19%

$3,004/mo

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Pine

A_LENDER Broker-only

5-yr

Fixed

4.19%$3,004/mo

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Pine

5-yr · Fixed Broker-only

4.19%

$3,004/mo

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Scotiabank

Bank

4-yr

Fixed

4.24%$3,019/mo

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Scotiabank

4-yr · Fixed

4.24%

$3,019/mo

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Scotiabank

Bank

7-yr

Fixed

5.00%$3,257/mo

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Scotiabank

7-yr · Fixed

5.00%

$3,257/mo

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Wealth One Bank of Canada

Alternate

1-yr

Variable

5.05%$3,273/mo

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Wealth One Bank of Canada

1-yr · Variable

5.05%

$3,273/mo

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TD Canada Trust

Bank

6-yr

Fixed

5.19%$3,318/mo

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TD Canada Trust

6-yr · Fixed

5.19%

$3,318/mo

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TD Canada Trust

Bank

10-yr

Fixed

5.34%$3,366/mo

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TD Canada Trust

10-yr · Fixed

5.34%

$3,366/mo

Apply now

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

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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 (ISC fees in force since 15 April 2026) — 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 →

Rate read · Saskatchewan

From the live rate board · as of Oct 9, 2026

4.19%

5-yr fixed

3.50%

5-yr variable

4.45%

Lender prime

4.25%

BoC overnight

The lowest 5-year fixed in Saskatchewan on our board is 4.19% and the lowest 5-year variable 3.50%, against lender prime of 4.45%. Fixed is 69 basis points above variable. The Bank of Canada overnight rate is 4.25%, lowered at the last decision; variable rates follow prime, which moves with it.

Ask Maya Get my real rate Estimates only — your rate depends on your file. FSRA #13737.

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FAQ

Saskatchewan mortgage rates — common questions.

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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

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