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Saskatchewan First-Time Home Buyers

Saskatchewan First Time Home Buyer Freebies

  • First time home buyer Tax Credit

    Get $750 dollars back on your personal tax return.

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  • RRSP Home buyers Plan

    Access up to $35,000 from
    your RRSP tax-free.

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Saskatchewan Mortgage Calculators

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Mortgage Payment

Mortgage payment calculator

Manage your monthly mortgage payments.

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You Afford?

Mortgage affordability calculator

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Saskatchewan Rates

We shop the most competitive brokers, lenders and banks in Canada to bring you today's lowest interest rates, free of charge! Our Canadian comparison charts list current rates, and are updated on a daily basis.

Term Lowest Fixed Rate Lowest Variable Rate
1-Year 2.18%
3-Year 2.19% 0.99%
5-Year 2.19% 0.85%
10-Year 2.99%
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Mortgage default insurance or CMHC insurance is required in Canada for down payments of less than 20%.

Down payment (% of home)
5%-9.99% 10%-14.99% 15-19.99% 20% or higher
CMHC insurance premium 2.75% 2.00% 1.75% 0.00%

Additional criteria as of July 9th, 2012:

  • The maximum amortization available on an insured mortgage (less than 20% down) is 25 years.
  • Homes sold for more than $1,000,000 do not qualify for CMHC insurance and, therefore, require a down payment of at least 20%.

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Saskatchewan First-Time Home Buyer Education Centre


For more information on calculating CMHC insurance, land transfer tax and closing costs in Ontario, and for more information on basic mortgage terms such as ammortization and down payment, please visit our First Time Home Buyer Education Centre. If you are already close to buying a home go to to find Ontario home inspectors and Ontario real estate lawyers.


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