Local Mortgage Broker · Atlantic Canada
Mortgages in Atlantic Canada, made simple
Rahul is licensed in Nova Scotia (NS Broker #3000996) and New Brunswick (NB License #260008857), and serves PEI buyers and homeowners directly — no PEI broker license is required for mortgage brokering on the Island. Same lender bench, same evening-and-weekend availability, and fully virtual closings across all three provinces, with in-person meetings around Halifax, Bedford, and Dartmouth when you'd rather sit down face to face.
★★★★★ 320+ five-star reviews · NS Broker #3000996 · NB License #260008857 · Serving PEI directly · 50+ lenders · Free service
Programs that matter across Atlantic Canada
Nova Scotia 2% Down Program (NS only). Nova Scotia's flagship first-time buyer program lends you an interest-free 2% of the purchase price toward your down payment, repayable over ten years. The price cap is roughly $570,000 in the Halifax Regional Municipality and lower in other parts of the province, which covers most peninsula condos and starter homes. It is a Nova Scotia program — New Brunswick and PEI buyers can't use it, so we build their down payment a different way.
Deed and land transfer tax differ in every province. Nova Scotia charges a municipal deed transfer tax that runs up to 1.5% in HRM and less in some counties, plus a 10% non-resident tax where it applies. New Brunswick charges 1% of the greater of the assessed value or the purchase price. PEI charges 1% with an exemption for qualifying first-time buyers. On a $500,000 purchase that spread is thousands of dollars of closing cash — our NS, NB & PEI land transfer tax guide runs the exact number before you write an offer.
FHSA + RRSP Home Buyers' Plan stacking. The federal First Home Savings Account lets you contribute $8,000 a year up to $40,000, deductible going in and tax-free coming out for a qualifying home. The RRSP Home Buyers' Plan adds up to $60,000 per buyer. Stacked between two partners in Atlantic Canada's price range, that's frequently the entire down payment plus closing costs — and in Nova Scotia it can layer on top of the 2% Down Program.
The federal stress test still applies. Every insured and most uninsured files qualify at the contract rate plus 2%, or 5.25%, whichever is higher — identical in NS, NB, and PEI. Atlantic prices are gentler than Toronto or Vancouver, but the stress test is what actually sets your maximum, so we run it on every file before pre-approval. The number we give you is the number that closes.
Cities we serve across Atlantic Canada
Nova Scotia
Sydney
Cape Breton's main centre — affordable purchases and remote-work demand.
Truro
Central NS hub town — commuter buyers and refinancers.
New Glasgow
Pictou County's main centre — affordable family-home market.
Kentville
Annapolis Valley's central town — orchard country and family buyers.
Bridgewater
South Shore's main service hub — steady buyer market.
Lower Sackville
HRM bedroom community — first-time buyers' sweet spot.
Yarmouth
Southwestern NS — affordable purchases and refinance demand.
Antigonish
University town with steady demand from staff, students, and families.
Amherst
NS-NB border town — affordable, with cross-border commuter activity.
Wolfville
Acadia University town — heritage homes and lifestyle buyers.
New Brunswick
Moncton
Greater Moncton's growth market — first-time buyers, newcomers, and refinancers.
Fredericton
NB's capital — government, university, and a strong move-up buyer market.
Saint John
Port city with the most affordable benchmark prices in NB.
Dieppe
Greater Moncton's bilingual neighbour — newer builds, family buyers, strong growth.
Riverview
Quiet residential side of Greater Moncton — strong family-buyer market.
Quispamsis
Kennebecasis Valley commuter town — family homes and move-up buyers.
Rothesay
Established Kennebecasis Valley town — higher-end family homes.
Miramichi
Northeastern NB — affordable prices, strong first-time buyer activity.
Bathurst
Acadian Peninsula's main centre — affordable buys, refinance volume.
Edmundston
Northwestern NB — predominantly French-speaking, very affordable market.
Oromocto
Home of CFB Gagetown — military buyers and steady family-home demand.
Prince Edward Island
Run the numbers
Mortgage payment calculator
Run the Atlantic Canada numbers — stress test, CMHC, amortization.
OpenHome buying cost calculator
NS deed transfer tax, NB and PEI land transfer tax, legal fees, inspection.
OpenRent vs buy
Halifax, Moncton, and Charlottetown rent vs ownership math, side by side.
OpenPrepayment calculator
How much sooner extra payments knock off your Maritime mortgage.
OpenWhy Atlantic Canada homeowners work with Rahul
- Licensed in Nova Scotia (#3000996) and New Brunswick (#260008857), and serving PEI directly — one broker for the whole region.
- 50+ lenders shopped on every file — banks, Maritime credit unions, monolines, B and private.
- Same-day pre-approvals with 90–120 day rate holds so you can house-hunt with confidence.
- Evenings, Saturdays, and WhatsApp answered — we work around your schedule, not bank hours.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
FAQ
Do you have an office in Atlantic Canada?
Yes — our office is at 1746 Bedford Hwy Unit 102, Bedford, NS, and we meet clients in person around Halifax, Bedford, and Dartmouth by appointment. That said, the vast majority of files across Nova Scotia, New Brunswick, and PEI close fully virtually: documents by secure upload, signing with your lawyer wherever you are.
Which Atlantic Canada cities do you serve?
All of them. Halifax, Dartmouth, Bedford, Truro, Sydney, Bridgewater, Kentville, Wolfville, Amherst, New Glasgow, Yarmouth and Antigonish in Nova Scotia; Moncton, Fredericton, Saint John, Dieppe, Riverview, Quispamsis, Rothesay, Bathurst, Miramichi, Edmundston and Oromocto in New Brunswick; Charlottetown, Summerside, Stratford and Cornwall in PEI. See the full list on our locations page.
Does the Nova Scotia 2% Down Program apply in New Brunswick or PEI?
No. The NS 2% Down Program is a Nova Scotia provincial program only — it lends first-time buyers an interest-free 2% down-payment top-up on qualifying purchases (roughly a $570,000 price cap in HRM, lower elsewhere in the province). New Brunswick and PEI buyers don't have an equivalent provincial program, so we build the down payment from the federal FHSA, the RRSP Home Buyers' Plan, and gifted funds instead.
Are you licensed to broker mortgages in PEI?
Rahul serves PEI buyers and homeowners directly — no separate PEI broker license is required for mortgage brokering on the Island. He is licensed in Nova Scotia (NS Broker #3000996) and New Brunswick (NB License #260008857), and also holds Alberta (RECA #LIC-00668583), British Columbia (BC Broker #MB612306), and Ontario (License #M26001833, FSRA) registrations.
How much is land transfer tax in Atlantic Canada?
It varies a lot by province and even by municipality. Nova Scotia charges a municipal deed transfer tax (1.5% in HRM, lower in some counties) plus a 10% non-resident tax where it applies; New Brunswick charges 1% of the greater of assessed value or purchase price; PEI charges 1% but exempts qualifying first-time buyers. Our land transfer tax guide runs the exact number for your purchase price and province.
What lenders do you work with across Atlantic Canada?
The big six banks, regional credit unions (East Coast Credit Union, Valley, OMISTA, Bayview, Provincial Credit Union in PEI), monolines like MCAP, First National, RFA, Strive and CMLS, B-lenders for self-employed and bruised-credit files, and a private bench for short-term or unusual situations — 50+ lenders shopped on every file.
Looking for your specific city? See all locations.
Ready to talk to an Atlantic Canada mortgage broker?
Free 15-minute call. We'll run your province's land transfer tax, map your FHSA + HBP stack, and tell you the real maximum your file qualifies for.