Best 5-Year Fixed
4.49%
Mortgage rates in Saskatchewan
Updated June 25, 2026.
Saskatchewan is the third province with no land transfer tax — buyers pay only nominal registration fees. National lenders compete with active provincial credit unions like Affinity and Conexus.
Rates shown are updated daily and are not an offer of credit. Actual rates require lender approval and may differ. Discounted rates are the bank's own published special-offer rates; a mortgage broker can often secure a lower rate than what's shown. See our methodology.
Best 3-Year Fixed
4.44%
Best Variable
3.95%
All lenders available in Saskatchewan
Includes national lenders plus provincial credit unions and lenders operating in Saskatchewan.
| Lender | 3-Year Fixed | 5-Year Fixed | Variable |
|---|---|---|---|
 Tangerine | 4.44% | 4.49% | 4.00% |
 TD Bank | 4.69% | 4.84% | 4.24% |
 BMO Bank of Montreal | 4.64% | 4.84% | 4.10% |
 CIBC | 4.64% | 4.84% | 3.95% |
 National Bank of Canada | 4.74% | 4.84% | 4.45% |
 RBC Royal Bank | 4.74% | 4.89% | 3.95% |
 Scotiabank | 6.05% | 4.90% | 5.95% |
Land transfer tax in Saskatchewan
Saskatchewan has no land transfer tax. Title registration fees apply: 0.4% of property value (capped at $375,000 for fee purposes; effective max around $1,500). On a $400,000 home expect about $1,500 in registration vs $0 in LTT.
First-time home buyer programs
Federal programs apply everywhere — the FHSA, RRSP Home Buyers' Plan, and federal Home Buyers' Tax Credit. The programs below are specific to Saskatchewan.
- Saskatchewan First-Time Home Buyers' Tax Credit (provincial)
Provincial non-refundable credit worth up to $1,050 (10.5% of $10,000) for first-time buyers. Stackable with the federal Home Buyers' Tax Credit ($1,500).
Local notes
- Affinity Credit Union (largest in SK) and Conexus are not federally regulated and can apply their own qualification standards — useful for self-employed and farm-income buyers.
- Saskatoon and Regina have meaningfully different markets: Regina has been flatter; Saskatoon has been more volatile. Run affordability separately for each city if comparing.