Compare today's lowest 10-year fixed mortgage rates from Nova Scotia's top lenders. Updated daily with verified broker data.
As of August 13, 2026, the best 10-year fixed rate in Nova Scotia is 5.49% from First National. This rate applies to a conventional mortgage with 20%+ down payment and a 25-year amortization.
10-Year Fixed rates from top Nova Scotia lenders, by mortgage type.
| Lender | InsuredDown payment < 20% | InsurableHome < $1M & amort ≤ 25-yr | UninsurableRefinance or DP ≥ 20% | Action |
|---|---|---|---|---|
First National 10-Year Fixed | 5.49%$3,659/mo | 5.49%$3,659/mo | 5.49%$3,659/mo | Get This Rate |
Frank Mortgage 10-Year Fixed | 5.5%$3,662/mo | 5.54%$3,676/mo | 5.54%$3,676/mo | Get This Rate |
Innovation Credit Union 10-Year Fixed | 5.51%$3,666/mo | 5.51%$3,666/mo | — | Get This Rate |
Tangerine 10-Year Fixed | 5.9%$3,803/mo | 5.9%$3,803/mo | — | Get This Rate |
Manulife 10-Year Fixed | 6.69%$4,088/mo | 6.69%$4,088/mo | 6.69%$4,088/mo | Get This Rate |
CIBC 10-Year Fixed | 6.79%$4,125/mo | 6.79%$4,125/mo | 6.79%$4,125/mo | Get This Rate |
Investors Group 10-Year Fixed | 6.8%$4,129/mo | 6.8%$4,129/mo | — | Get This Rate |
IG Wealth Management 10-Year Fixed | 6.8%$4,129/mo | 6.8%$4,129/mo | — | Get This Rate |
Laurentian 10-Year Fixed | 7.14%$4,254/mo | 7.14%$4,254/mo | — | Get This Rate |
nesto 10-Year Fixed | 7.74%$4,480/mo | 7.74%$4,480/mo | — | Get This Rate |
CMLS 10-Year Fixed | 7.79%$4,499/mo | — | — | Get This Rate |
Last 12 days
Already have a mortgage? See how much you could save by switching.
At 5.49% over 25 years, a $600,000 mortgage costs $497,657 in total interest. Camilo will show you exactly how much of that you can cut.
Canadian rules applied — CMHC insurance, LTT, and payment frequency calculated in real time.
Monthly Payment
$3,681
/month
Mortgage
$600,000
Total Interest
$504,283
Total Cost
$1,104,283
● Payoff Lab users pay the same monthly — but finish 5 years earlier. See how →
Common questions about Nova Scotia mortgage rates, answered by licensed brokers.
Camilo Rodriguez is the Founder of Mortgages Lab, a licensed mortgage broker with over 23 years of experience helping Canadians achieve financial freedom. He has trained 100+ mortgage agents across Canada and is Past President of The Canadian Mortgage Broker Association - BC. He is the author of "From Debt to Zero," a guide to becoming mortgage free.
P.A.Y.O.F.F™, L.A.B™, M.A.P™ are Trademarks of Mortgages Lab®
This page contains informational content only and does not constitute financial advice. Mortgage rates shown are sourced from publicly available lender data and may change without notice. Always verify rates directly with the lender. Mortgages Lab may receive compensation from partner lenders, which does not influence our editorial content or rate rankings. Built on Real Experience — 23+ years of working with real mortgage scenarios and helping Canadians achieve financial freedom.
