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Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Compare current fixed and variable mortgage rates for Saint John homebuyers and refinancers.
KOHO saves you bank fees while you build your down payment. Use code BREMO2026 for a $20 bonus.
Open KOHO Free — Code BREMO2026Saint John remains one of the most affordable housing markets in Atlantic Canada. The average home price in Saint John in 2025 is approximately $275,000 — significantly below the national average and even below Fredericton and Moncton. This affordability has attracted attention from buyers in more expensive markets, particularly those who can work remotely. The port economy and Irving-sector employment provide stable underlying demand.
| Rate Type | Term | Typical Range |
|---|---|---|
| Fixed | 1 Year | 5.29% – 5.99% |
| Fixed | 2 Year | 5.09% – 5.79% |
| Fixed | 3 Year | 4.89% – 5.59% |
| Fixed | 5 Year | 4.69% – 5.29% |
| Variable | 5 Year | Prime – 0.5% to Prime + 0.5% |
Rates are indicative. Always compare at least 3 lenders or use a mortgage broker.
| Down Payment | CMHC Insurance | Mortgage Amount | Monthly Payment (5yr, 5%) |
|---|---|---|---|
| 5% ($13,750) | $10,412 | $271,662 | ~$1,584/mo |
| 10% ($27,500) | $7,193 | $254,693 | ~$1,486/mo |
| 20% ($55,000) | $0 | $220,000 | ~$1,283/mo |
All five major banks have mortgage operations in Saint John. Atlantic Central credit unions offer competitive rates for members, often 0.1–0.3% below posted bank rates. Mortgage brokers in Saint John — including national brokers like Dominion Lending Centres and Mortgage Alliance — can access specialty lenders including mono-line lenders that often offer the lowest rates available in NB.
No monthly fees anywhere in Canada. Code BREMO2026 = $20 welcome bonus.
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