Mortgage rates in Halifax can move quickly—secure yours for up to 120 days (depending on the lender). Whether you’re purchasing, renewing, or refinancing, we’ll help you lock in a competitive rate and provide expert tips for your next mortgage. Don’t wait—begin your savings journey now!
Best Mortgage Rates in Halifax
5-Year Fixed*
0
%
5-Year Variable*
0
%
(Most Banks’ Prime Rate: 6.95%)
Shop 65+ lenders in one place. Save time and money today!
*Rates shown are for informational purposes only and are subject to change without notice. Please contact Genesis Group for the most up-to-date rates and terms.
Genesis Group is not liable for any discrepancies or inaccuracies in the displayed rates.
Rates last updated:
Compare the Best Mortgage Rates in Halifax
| Mortgage Term | Rates From | Payments | |
|---|---|---|---|
| 6 Month Fixed | 2.99% | $2,368/mo | |
|
Rate Range: 2.99% - 5.50% |
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| 1 Year Fixed | 5.79% | $3,157/mo | |
|
Rate Range: 5.79% |
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| 2 Year Fixed | 4.84% | $2,876/mo | |
|
Rate Range: 4.84% |
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| 3 Year Fixed | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
|||
| 4 Year Fixed | 4.59% | $2,804/mo | |
|
Rate Range: 4.59% |
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| 5 Year Fixed MOST POPULAR | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
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| 5 Year Open | 4.95% | $2,908/mo | |
|
Rate Range: 4.95% |
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| 5 Year Variable | 4.45% | $2,736/mo | |
|
Rate Range: 4.45% |
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*Disclaimer: If you don’t meet the requirements for our lowest advertised rates, don’t worry—Genesis Group has a wide range of competitive mortgage options to suit your needs! The rates displayed above represent realistic options if the outlined criteria aren’t fully met. Factors such as your credit score, down payment amount, and property details may impact your final rate. We’re dedicated to finding the best-possible solution for your unique situation.
Additional fees or premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending options.
Unlock Your Lowest Rate in Halifax Today – Guaranteed
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Mortgage Rates Halifax – The Genesis Group
Find the Best Mortgage Rates in Halifax with Genesis Group
In Halifax, scoring a great mortgage rate can mean serious savings. With over 12 years of industry experience, our award-winning Genesis Group team is here to help you keep more money in your pocket. Many of our clients save over $3,000—and sometimes $15,000+—based on their individual needs.
Because we handle a large volume of mortgages, we can negotiate exclusive rate discounts, even if you prefer to stick with your current bank. Historically, our rates beat the big banks and plenty of competitors by about 0.20% on average.
Why Choose Genesis Group?
No matter if you’re a first-time buyer, eyeing a cottage on the coast, or looking to refinance or renew, our award-winning team of brokers offers:
- Access to 65+ lenders for competitive rates in one stop.
- Personalized solutions built around your budget and goals.
- Friendly expertise to guide you through every step.
Complex Mortgage Needs? We’ve Got You Covered
Not everyone fits the bank’s usual checklist. If you’re looking to consolidate debt, unlock home equity, or navigate an unusual financial situation, Genesis Group simplifies the entire process and finds a custom solution just for you.
What Impacts Your Mortgage Rate?
Your mortgage rate depends on several factors, including:
- Your down payment percentage compared to the overall mortgage size.
- Your credit score and financial history.
- Your purchase timeline and loan type.
We’re here to simplify the process. Our expert agents will explain the details, answer your questions, and help you make informed decisions to save thousands over the life of your mortgage.
Talk to Us Today
At Genesis Group, we measure success by how much we save you. Whether you call us, visit our office, or apply online, we’re here to guide you to the best mortgage rates in Halifax.
Your Path to Financial Freedom Starts Here.
Securing Your Best Rate Is Our Mission
Your Key to the Best Mortgage Rates? Genesis Group’s Expert Brokers.
At Genesis Group, our award-winning brokers are highly trained professionals with access to a wide range of mortgage products tailored to fit your unique needs. We understand how crucial it is to secure the right mortgage—on time, stress-free, and at the most competitive rate.
Got a complex situation? No problem. Our team simplifies even the most intricate details, guiding you every step of the way with personalized service that puts you first.
Experience unparalleled 5-star service today. Whether it’s your first mortgage or a refinance, we’re here to build a savings relationship you can count on for years to come.
Start your journey today—apply online, give us a call, or meet us in person. Need a broker who speaks your language or prefers a Mobile Agent to meet you where you are? Explore our directory to find your perfect match.
Nova Scotia’s Housing Market: Navigating Challenges & Opportunities with Genesis Group
Halifax is Nova Scotia’s bustling capital, famous for its coastal charm and historic sites. Yet with more people moving in and fewer homes being built, property prices can feel like they’re going up fast—making a good mortgage rate more important than ever.
In October 2024, Halifax’s housing market saw sales jump about 34% year-over-year, up 14% from last month. Although that’s slightly below its 10-year average, areas like Clayton Park and Bedford stood out with bigger boosts in sales. Meanwhile, new listings rose around 3.1%, not enough to keep up with demand, which pushed total inventory down from 3.9 months in September to 3.1 months in October.
Housing Affordability Still a Challenge
While Halifax can be more budget-friendly than some big Canadian cities, home prices are still rising:
- Average home price climbed 3.1% year-over-year to nearly $440,000, up from $426,000 the month before.
- Downtown Halifax: Up 4.1%
- Dartmouth: Up 3.7%
What’s Next for Halifax’s Housing?
Experts forecast interest rates to drop gradually going into 2025, which might ease monthly payments for some homeowners. But many are set to renew mortgages soon, potentially shifting the market further—especially when Spring 2025 arrives and more homes could come on the market.
At Genesis Group, we understand the local flavors of Halifax real estate. Whether you’re a first-time buyer or a seasoned homeowner, we’ll show you all your options and help find the best mortgage for you.
Source: Sagen Housing Market Updates
Genesis Group: Your Trusted Guide in Halifax’s Changing Housing Scene.
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