Best Mortgage Rates in Moncton 2026
Compare the lowest rates from Moncton lenders and find your perfect mortgage
Current Moncton Mortgage Rates
Updated daily with the best rates from Moncton-area lenders.
5-Year Fixed Rate
4.42%
Starting from
5-Year Variable Rate
3.50%
Starting from
Moncton Housing Market Overview
Moncton is a growing community in New Brunswick with a population of approximately 80,000. The local housing market offers a range of options from detached homes to condos, with average prices reflecting the city's desirability and growth.
Average Home Prices (2026)
Detached Homes
$350,000
Semi-Detached
$280,000
Townhouses
$250,000
Condos
$200,000
Moncton-Specific Considerations
- Land Transfer Tax: New Brunswick Real Property Transfer Tax: 1% of assessed value or purchase price (whichever is greater).
- Market Trends: Moncton continues to attract buyers due to its affordable housing compared to larger cities.
- Lender Options: Buyers in Moncton have access to major banks, local credit unions, and online lenders.
First-Time Home Buyers in Moncton
Moncton offers opportunities for first-time buyers with various programs and strategies:
Government Programs
Use the FHSA ($40,000 tax-free savings) and HBP ($60,000 from RRSP) to increase your down payment. New Brunswick Real Property Transfer Tax: 1% of assessed value or purchase price (whichever is greater).
Local Credit Unions
Moncton has several credit unions that offer competitive rates and first-time buyer programs with flexible qualification criteria.
Work with a Broker
A local mortgage broker can shop 20+ lenders to find the best rate for your Moncton purchase.
Lenders in Moncton
Major Banks
RBC, TD, Scotiabank, BMO, CIBC
Established lenders with branches in Moncton
Credit Unions
Local credit unions
Competitive rates, community focus
Monoline Lenders
MCAP, First National, CMLS
Often lowest rates, broker-only access
Online Lenders
Tangerine, EQ Bank, Motusbank
Digital-first, competitive rates
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Tools for Moncton Home Buyers
Free calculators to help you plan your Moncton home purchase. Calculate affordability, payments, taxes, and total costs.