Local Mortgage Broker
Mortgage broker in Moncton, New Brunswick
Helping Moncton buyers, refinancers, and renewers across New Brunswick. Free service. Same-day pre-approvals. Speaks English, Hindi, Punjabi.
See how Rahul helps buyers across Atlantic Canada.
★★★★★ 330+ 5-star reviews · NS Broker #3000996 · NB License #260053601 · AB RECA #LIC-00668583 · BC Broker #MB612306 · Ontario License #M26001833 (FSRA) · 50+ lenders · Free service
What to expect buying in Moncton in 2026
Greater Moncton is New Brunswick's largest and most expensive resale market. The MLS® Home Price Index composite benchmark sat at $384,100 in June 2026 — up 6.2% year over year and the highest of the province's three cities — with single-detached homes benchmarking at $394,200 and apartments at $327,200. Homes took a median of 36 days to sell on 4.5 months of inventory, so Moncton buyers generally have time to think, but the better-priced West End and Dieppe-adjacent listings still go quickly.
That price growth changes what you need to qualify for. At the current detached benchmark, a buyer putting 5% down is carrying a mortgage near $375,000, which the federal stress test qualifies roughly two percentage points above your contract rate. This is exactly why a real pre-approval matters more in Moncton in 2026 than it did three years ago — the payment that worked on a $300,000 purchase does not automatically work today.
Typical Moncton files we see: first-time buyers stretching into West End and North End starter homes, self-employed clients in trades and trucking whose T1 understates their income, and homeowners refinancing after several strong years of appreciation. Government, healthcare, Université de Moncton and CN corridor employment shape most of the file mix. Nearly all Moncton files close entirely online — secure upload, e-signed commitments, no office visit.
Services we offer in Moncton
First-time home buyers
Down payments, the FHSA, HBP, and getting your offer accepted.
Learn moreSelf-employed mortgages
T1 doesn't tell the whole story. We find lenders who get it.
Learn moreNew to Canada mortgages
PR, work permit, foreign income. Service in English, Hindi, Punjabi.
Learn moreBad credit & complex files
B-lenders, private lenders, and credit rebuild paths.
Learn moreRefinance
Pull equity, consolidate debt, fund a renovation.
Learn moreRenewal
Don't auto-renew. We shop your renewal 4 months out.
Learn moreLocal context that matters
Areas we serve near Moncton
- Dieppe
- Riverview
- Shediac
- Salisbury
- Greater Moncton files include Dieppe and Riverview — the lending picture is the same, the property taxes are not, and we factor that into affordability.
- Self-employed trades and trucking files are routine here; we know which lenders read business deposits rather than net income after write-offs.
- New Brunswick charges a real property transfer tax on closing — we build it into your cash-to-close before you write an offer.
- Evenings and Saturdays available, Atlantic time — we work around Moncton buyers, not bank hours.
Planning your cash to close in Moncton? Deed transfer tax works differently in each Atlantic province — see the NS, NB & PEI land transfer tax guide and calculator.
Nearby areas we also serve
What Moncton clients say
“Rahul made our Moncton purchase feel manageable. Everything was clear, every question got a real answer, and we closed on time.”
“Our renewal letter from the bank was nowhere near competitive. Rahul shopped it and saved us thousands over the term — entirely by phone and email.”
Why Moncton homeowners choose Rahul
- 10 years brokering across Atlantic Canada — Rahul knows what New Brunswick appraisers and lenders look for.
- Free service: lender-paid, with 50+ lenders shopped on every file.
- Same-day pre-approvals most days, with a rate hold of 90-120 days.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
FAQ
What income do I need to buy a house in Moncton in 2026?
At Moncton's June 2026 detached benchmark of $394,200 with 5% down, most lenders want household income in the neighbourhood of $100,000–$115,000 once the stress test, property tax, and heat are counted — less if you have little other debt, more if you carry a car loan or student payments. That is a starting range, not a rule: we run your real numbers before you shop.
How much are homes in Moncton right now?
The MLS® HPI composite benchmark was $384,100 in June 2026 (up 6.2% year over year), with single-detached at $394,200, semi-detached at $373,600 and apartments at $327,200. The average sale price was $396,016. Benchmark is the more reliable figure because it strips out the mix of what happened to sell that month.
Is Moncton still affordable compared to Halifax?
Yes — Moncton's benchmark runs well below Halifax's, which is a large part of why the market has grown so fast. But the gap is narrowing: Moncton posted the highest benchmark of New Brunswick's three cities in June 2026 and has been appreciating faster than most of the region.
Do you have an office in Moncton?
Rahul is based in Bedford, Nova Scotia and works with Moncton clients virtually — secure document upload, e-signed commitments, and updates by phone, email or WhatsApp. Most Moncton files never require an in-person meeting, and clients regularly close without one.
Can you help if I'm self-employed in Moncton?
Yes, and it's a large part of our Moncton book. Trades, trucking, and owner-operator files often get declined at a bank because the T1 shows income after write-offs. Several lenders will instead look at business bank deposits or use a stated-income program. Choosing the right lender first is most of the work.
My Moncton mortgage is up for renewal — should I just sign the bank's letter?
Not without comparing. Renewal letters are priced on the expectation that you'll sign, and switching lenders at renewal usually costs nothing. We start shopping renewals about four months out so your existing rate is protected while we look.
Do you handle Dieppe and Riverview too?
Yes. Greater Moncton, including Dieppe, Riverview, Shediac and Salisbury, is all the same process and the same lender list. Rahul is licensed in New Brunswick, so there's no difference in how those files run.