New Glasgow
What changed, and when
Every figure on this site comes from a primary source and carries the date it was checked. This is the record of what moved.
How do I know the figures on this site are current?
Because the changes are written down. Every number is imported from one data file with its primary source attached, the whole set was last verified September 20, 2026, and the 17 entries below record what changed and when. The most recent: reference rates re-read: prime 4.45%, posted 5-year 6.09%, unchanged; Halifax rates page added, September 30, 2026.
The record, as a timelineThe 8 most recent of 17 recorded changes, oldest first
- Home Buyers’ Plan repayment relief extended to 2026–2028 withdrawals Jun 19, 2026 Federal
- Municipal deed transfer tax schedule reissued Jul 1, 2026 Nova Scotia
- Non-resident deed transfer tax windows extended Aug 7, 2026 Nova Scotia
- Monthly housing market history added, January to August 2026 Aug 31, 2026 Market
- August 2026 Nova Scotia housing statistics published Aug 31, 2026 Market
- Bank of Canada policy rate held Sep 2, 2026 Rates
- Reference rates published Sep 16, 2026 Rates
- Reference rates re-read Sep 30, 2026 Rates
- Last verified September 20, 2026
- Next Bank of Canada decision October 28, 2026
The 8 most recent entries; the full record of 17 is in the table below. Rate entries are shown as events only; the figures are on the rates page.
The record
Newest first. “Effective” is when the change took hold; “noted” is when it was checked and published here.
| Effective | Area | What changed | Noted |
|---|---|---|---|
| Sep 30, 2026 | Rates | Reference rates re-read: prime 4.45%, posted 5-year 6.09%, unchanged; Halifax rates page added The Bank of Canada weekly observation of 30 September 2026 shows no change in prime or the posted 1-, 3- and 5-year rates. A Halifax rates page now shows the payment at each rate on any mortgage amount and the cost of the gap between two rates. Example lender rates still appear only when confirmed from a rate sheet. Source · The page this affects | Oct 3, 2026 |
| Sep 16, 2026 | Rates | Reference rates published: prime 4.45%, posted 5-year 6.09% Chartered-bank prime and the conventional posted rates for 1-, 3- and 5-year terms, as reported to the Bank of Canada, now appear on the rates page with their weekly observation date. Example lender rates are added only when confirmed from the day’s rate sheet. Source · The page this affects | Sep 20, 2026 |
| Sep 2, 2026 | Rates | Bank of Canada policy rate held at 2.25% Next scheduled decision 28 October 2026. The policy rate sets prime, which sets variable-rate mortgage payments. Source | Sep 16, 2026 |
| Aug 31, 2026 | Market | August 2026 Nova Scotia housing statistics published Provincial average sale price $467,585, MLS HPI benchmark $435,000, 5.7 months of inventory. Every town and region page recomputes from these figures. Source · The page this affects | Sep 16, 2026 |
| Aug 31, 2026 | Market | Monthly housing market history added, January to August 2026 Eight months of NSAR figures — sales, average price, HPI benchmark, active listings, months of inventory and all seven regions — kept on this site because NSAR removes older reports from its own. Source · The page this affects | Sep 20, 2026 |
| Aug 7, 2026 | Nova Scotia | Non-resident deed transfer tax windows extended The proof-of-residency window went from six months to one year, and the refund window from one year to two. Source · The page this affects | Sep 16, 2026 |
| Jul 1, 2026 | Nova Scotia | Municipal deed transfer tax schedule reissued All 49 municipal rates re-read from the provincial schedule: 15 charge 1.0%, three charge 1.25%, 31 charge 1.5%. Source · The page this affects | Sep 15, 2026 |
| Jun 19, 2026 | Federal | Home Buyers’ Plan repayment relief extended to 2026–2028 withdrawals Bill C-30 (Royal Assent 19 June 2026) extended the five-year grace period to first HBP withdrawals made 1 January 2026 to 31 December 2028: repayment starts in the fifth year after the withdrawal, so a 2026 withdrawal starts repaying in 2031. The $60,000 limit is unchanged. Source · The page this affects | Oct 3, 2026 |
| May 16, 2026 | Nova Scotia | HRM tax certificate fee is $125 Halifax Regional Municipality By-law F-300, Schedule A, as amended by F-304: $125 per tax account. Every closing-cost figure on this site now uses $125 (previously $100). Source · The page this affects | Oct 3, 2026 |
| Apr 1, 2026 | Federal | Canadian Armed Forces Relocation Directive takes effect A house hunting trip is up to 5 days and nights at the new location, normally not exceeding 7 days including travel. Bridge financing interest is reimbursable under section 8.3.07. Source · The page this affects | Sep 16, 2026 |
| Mar 12, 2026 | Federal | First-Time Home Buyers’ GST/HST Rebate enacted Bill C-4 received Royal Assent: up to $50,000, the full federal part of the HST on a new home up to $1 million, phased out to $1.5 million, for agreements signed with a builder from 20 March 2025 and before 2031. In Nova Scotia it rebates the 5% federal part only; the province separately refunds up to $3,000 of its 9% part to first-time buyers of new homes. Source · The page this affects | Oct 3, 2026 |
| Feb 3, 2026 | Nova Scotia | Nova Scotia First-time Homebuyers Program launched 2–4% down with no mortgage insurance premium, income under $200,000, credit 630+, price caps $570,000 in HRM and East Hants and $500,000 elsewhere. Delivered by participating credit unions only. Source · The page this affects | Sep 16, 2026 |
| Jan 1, 2026 | Nova Scotia | Capped Assessment Program rate set at 2.6% for 2026 The cap is removed in the year after a sale to anyone other than a family member, so a buyer’s first full year of property tax is usually higher than the seller’s. Source · The page this affects | Sep 16, 2026 |
| Dec 9, 2025 | Nova Scotia | DPAP rules re-checked against the December 2025 program guide No change to the 5% interest-free loan, the $145,000 income limit or the $570,000 / $375,000 / $300,000 price caps. Confirmed from the guide: maximum loans of $28,500 / $18,750 / $15,000, no minimum residency period, a signed purchase agreement and a lender’s (not a broker’s) pre-approval are required, and the application must be in at least 3 weeks before the financing deadline. Source · The page this affects | Oct 3, 2026 |
| Apr 1, 2025 | Nova Scotia | Non-resident deed transfer tax doubled to 10% Up from 5%, on residential property of three dwelling units or fewer including vacant residential land, charged on the higher of purchase price and assessed value. Source · The page this affects | Sep 16, 2026 |
| Jan 15, 2025 | Federal | Secondary suite refinancing rules take effect Insured refinancing to 90% of the as-improved value including the value the suite adds, property under $2,000,000, amortization to 30 years, maximum four units. Source · The page this affects | Sep 16, 2026 |
| Nov 21, 2024 | Federal | OSFI exempts straight switches from the stress test An existing stand-alone uninsured mortgage moving between federally regulated lenders is exempt from the minimum qualifying rate, provided the amortization and loan amount do not increase; the balance may rise by up to $3,000 for penalties or fees. Source · The page this affects | Sep 16, 2026 |
Go deeper
The detail, if you want it
What is deliberately not on this site
Three things, for the same reason: nothing authoritative publishes them, and a confident-looking number with no source behind it is worse than no number.
- Mortgage rates. They move daily and a stale rate misleads. The 2.25% policy rate is published on a schedule; retail mortgage rates are not.
- Appraisal and home inspection fees. No Nova Scotia body publishes a range, so none is quoted anywhere on this site.
- Town-level average prices. Nova Scotia housing statistics are published by region only, so every town page uses its region’s figure and says so. The August 2026 provincial average is $467,585.
Why a broker
Licensed, independent, paid by the lender
- Licensed in Nova Scotia Associate broker 3001134, verifiable on the provincial register
- $0 broker fee On a standard residential mortgage the lender pays, not you
- Banks, credit unions, monolines One application, one credit check, placed with the lender that reads your file best
- Every part of the province Bedford office, remote process: Yarmouth to Sydney, the same four steps
Questions people ask
Has the Nova Scotia deed transfer tax changed?
The municipal schedule was reissued in July 2026 and re-read in full for this site on September 15, 2026: 15 municipalities charge 1.0%, 3 charge 1.25% and 31 charge 1.5%. Separately, the provincial non-resident deed transfer tax doubled from 5% to 10% on April 1, 2025, and in August 2026 the proof-of-residency and refund windows were extended to one and two years.
How current are the figures on this site?
Every page carries a “last verified” date, and every number is imported from one data file with its primary source attached. The whole set was last verified September 20, 2026. This page lists what changed and when, so you can check rather than take it on trust.
What is the Bank of Canada policy rate right now?
2.25%, set on September 2, 2026, with the next scheduled decision on October 28, 2026. This site does not publish mortgage rates, which change daily; the policy rate is published on a schedule and is what moves prime.
How often are these figures re-checked?
Quarterly, and whenever a source changes: the monthly Nova Scotia housing statistics, the Bank of Canada decision dates, the provincial deed transfer tax schedule, the two provincial buyer programs, OSFI’s annual review of the qualifying rate and the CMHC product pages. Where no authoritative source publishes a figure, such as appraisal and home inspection fees, this site states none rather than estimating.
Still unsure? Ask me directly.
If your question isn't here, your situation is probably specific. Fifteen minutes on the phone beats reading another page, and nothing is pulled on your credit.
(902) 298-0218 · Monday to Friday, 8:00 am to 10:00 pm Atlantic
Something changed and you are not sure if it affects you?
Send your situation, whether a renewal coming up, an offer in, or a purchase from outside the province, and you get back what the change means for your file specifically, with the source, within a business day.
(902) 298-0218 · Monday to Friday, 8:00 am to 10:00 pm Atlantic