Buying a Home in Canada

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Mortgage Rates

Discounted rates found on the internet on February 15, 2019.

Fixed-Rate Mortgages

1-year closed: 3.20% (3.20%)
2-year closed: 3.19% (3.19%)
3-year closed: 3.24% (3.44%)
4-year closed: 3.55% (3.55%)
5-year closed: 3.24% (3.24%)
7-year closed: 3.64% (3.69%)
10-yr closed:   3.89% (3.89%)
Qualify. Rate:  5.34% (5.34%)

Variable-Rate Mortgages

BofC’s Target:   1.75% (1.75%)
Banks' Prime:    3.95% (3.95%)

5-year: Prime - 1.20% or 2.75%

Some rates may only be available to people with top credit living in specific areas. BofC stands for Bank of Canada. The "Qualifying Rate" is used to qualify borrowers choosing terms of 4 years or less. The rates in bracket are from February 8, 2019.


The BAHIC® Network

Are you looking for a mortgage specialist that can match the above rates? A home inspector, lawyer, REALTOR® or any other real estate service provider? A member of the BAHIC® Network may be able to help. Click on the "Find a Local Service Provider" button to see who is available in your area. 


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HBI - Home Buyers Incorporated 22 Giberson Drive, Dartmouth, Nova Scotia B2W 6J6, Tel: 902-452-0969, Fax: 902-435-4701