Rate guide · Nova Scotia · data as of 2026-10-16

Best mortgage rates in Nova Scotia

The lowest mortgage rates from the lenders that serve Nova Scotia, eligibility-checked before they're listed.

See top rates ↓ · All mortgage rates

Current lowest4.19%First Nations Bank of Canada

Lowest 5-year fixed rates in Nova Scotia

The benchmark 5-year fixed closed term, lowest first — one row per lender.

  1. 1First Nations Bank of Canada5-year fixed closed · Insured4.19%
  2. 2Coast Capital Savings5-year fixed closed4.49%
  3. 3East Coast Credit Union5-year fixed closed · Promo4.49%
  4. 4Prospera Credit Union5-year fixed closed · Insured · Promo4.49%
  5. 5Wealthsimple Cash / Save5-year fixed closed4.49%
  6. 6Peace Hills Trust5-year fixed closed4.59%
  7. 7Envision Financial (Tru)5-year fixed closed · Insured4.59%
  8. 8True North Mortgage5-year fixed closed · Insured4.59%
  9. 9Mosaik Credit Union5-year fixed closed · Insured4.60%
  10. 10Alterna Bank5-year fixed closed · Insured · Promo4.69%
  11. 11EQ Bank5-year fixed closed4.69%
  12. 12Laurentian Bank5-year fixed closed · Insured4.69%

Lowest rate per lender, any term in Nova Scotia

Each lender's single lowest posted rate — the term and type it applies to is next to the rate.

  1. 1True North Mortgage6-month fixed closed · Insured · Promo2.49%
  2. 2EQ Bank5-year variable closed3.60%
  3. 3Neo Financial5-year variable closed3.60%
  4. 4Coast Capital Savings5-year variable closed3.69%
  5. 5Prospera Credit Union5-year variable closed · Promo3.69%
  6. 6Alterna Bank5-year variable closed · Insured · Promo3.70%
  7. 7First National Financial5-year variable closed · Insured3.70%
  8. 8Envision Financial (Tru)5-year variable closed · Insured3.70%
  9. 9Shinhan Bank Canada5-year variable closed3.90%
  10. 10Tangerine Bank5-year variable closed3.90%
  11. 11CIBC5-year variable closed · Insured · Promo4.05%
  12. 12First Nations Bank of Canada5-year variable closed · Promo4.05%

Nova Scotia mortgage questions

Who has the best mortgage rate in Nova Scotia right now?

First Nations Bank of Canada currently posts 4.19% (5-year fixed closed · Insured) — the lowest rate we track from institutions serving Nova Scotia, data as of 2026-10-16.

Are these rates open to people in Nova Scotia?

Yes — that's the point of this page. Every institution listed serves Nova Scotia: we check each one's membership eligibility and service area before it can appear, rather than listing national rates you may not qualify for.

Are these deposits insured?

Yes. Bank deposits are CDIC-insured up to $100,000 per category; credit-union deposits are covered by Nova Scotia's provincial fund — see deposit protection in Nova Scotia and our deposit-insurance guide.

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