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.

SaskatchewanLive ratesUpdated Aug 19, 2026

Saskatchewan mortgage rates.

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

5-star rated| FSRA #13737| 50+ languages

Best Saskatchewan rates

Updated Aug 19, 2026

5-yr fixed

4.29%

5-yr variable

3.60%

3-yr fixed

4.04%

2-yr fixed

3.99%

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Which lender will approve you?

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Live · updated Aug 19, 2026

Lowest offer per term across 100+ lenders

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Lender

Term

Type

Rate

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Radius Financial Best

Monoline Broker-only

3-yr

Variable

3.55%APR 3.55% · $2,811/mo

Apply now

Radius Financial Best

3-yr · Variable Broker-only

3.55%

APR 3.55% · $2,811/mo

Apply now

Marathon Mortgage Corp

Monoline Broker-only

5-yr

Variable

3.60%APR 3.60% · $2,826/mo

Apply now

Marathon Mortgage Corp

5-yr · Variable Broker-only

3.60%

APR 3.60% · $2,826/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

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

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

Peoples Bank

Bank

5-yr

Fixed

4.29%APR 4.29% · $3,034/mo

Apply now

Peoples Bank

5-yr · Fixed

4.29%

APR 4.29% · $3,034/mo

Apply now

First National

Alternate Broker-only

1-yr

Fixed

4.59%APR 4.59% · $3,128/mo

Apply now

First National

1-yr · Fixed Broker-only

4.59%

APR 4.59% · $3,128/mo

Apply now

Wealth One Bank of Canada

Alternate

1-yr

Variable

4.95%APR 4.95% · $3,241/mo

Apply now

Wealth One Bank of Canada

1-yr · Variable

4.95%

APR 4.95% · $3,241/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

TD Canada Trust

Bank

6-yr

Fixed

5.19%APR 5.19% · $3,318/mo

Apply now

TD Canada Trust

6-yr · Fixed

5.19%

APR 5.19% · $3,318/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.

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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

Benchmark price

$385,000

Saskatchewan provincial average · 2026

Saskatchewan — Title Registration Fee (no LTT)

Saskatchewan has no Land Transfer Tax. You pay only a small ISC Title Registration Fee (~$2.50 per $1,000 of value) — typically $1,000-$1,500 on a typical home.

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 2026-08-19T05:06:01.874Z

Maya

4.29%

5-yr fixed

3.60%

5-yr variable

5.95%

Lender prime

4.25%

BoC overnight

The best 5-year fixed mortgage rate in Saskatchewan is currently 4.29%, while the best 5-year variable rate sits at 3.60%. This means that fixed rates are generally higher than variable rates by 69 basis points; the lender's prime rate is 5.95%, which is influenced by the Bank of Canada's overnight rate at 4.25%, indicating a potential downward trend in borrowing costs.

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

Ask Maya about Saskatchewan mortgage rates

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FAQ

Saskatchewan mortgage rates — common questions.

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

No — Saskatchewan does not charge a provincial Land Transfer Tax. You pay only an ISC Title Registration Fee at approximately $2.50 per $1,000 of property value. On a $400K Saskatoon home, that's roughly $1,000 — vs ~$5,650 LTT on the same purchase in Manitoba or ~$4,475 in Ontario.

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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