Yukon mortgage rates & registry fees
Mortgage rates in Yukon are the same national rates offered across Canada — Whitehorse buyers see the identical offers as buyers everywhere else. The territory charges no land transfer tax, only registry fees by value band plus an assurance-fund fee. Here are the verified national offers and what the registry fee comes to.
Mortgage rates are national, not provincial
No Canadian lender quotes a different rate in Yukon than it does anywhere else in the country — a five-year fixed in Yukon is the same number it offers nationwide. So the verified offers below apply to Yukon buyers exactly as they do across Canada. What genuinely changes by province is the cost of closing — above all, the registration fee.
Verified national mortgage rates
Verified at the source · July 30, 2026| Lender | Product | Rate | Type | |
|---|---|---|---|---|
| Nesto | 5-yr fixed · insured | 4.09% | special | source |
| DUCA | 5-yr fixed · insured high-ratio | 4.14% | special | source |
| First National | 5-yr fixed · insured · conventional 4.84 | 4.49% | posted | source |
| Tangerine | 5-yr fixed | 4.49% | special | source |
| TD | 5-yr fixed | 4.84% | special | source |
| BMO | 5-yr fixed · Smart Fixed — no full payout for 5 yrs except sale; insured 4.74 | 4.84% | special | source |
| National Bank | 5-yr fixed · high-ratio 4.69 | 4.84% | special | source |
| RBC | 5-yr fixed · high-ratio 4.59 | 4.89% | special | source |
| CIBC | 5-yr fixed · high-ratio 4.64 | 4.94% | special | source |
| Scotiabank | 5-yr fixed · specials not published | 6.09% | posted | source |
| Nesto | 3-yr fixed · insured | 4.14% | special | source |
| DUCA | 3-yr fixed · insured high-ratio | 4.24% | special | source |
| Tangerine | 3-yr fixed | 4.44% | special | source |
| BMO | 3-yr fixed · amortization ≤25y | 4.64% | special | source |
| TD | 3-yr fixed | 4.69% | special | source |
| National Bank | 3-yr fixed | 4.69% | special | source |
| CIBC | 3-yr fixed | 4.74% | special | source |
| RBC | 3-yr fixed | 4.74% | special | source |
| First National | 3-yr fixed | 4.94% | posted | source |
| Scotiabank | 3-yr fixed | 5.95% | posted | source |
| Nesto | 5-yr variable · insured | 3.40% | special | source |
| RBC | 5-yr variable · prime − 0.50 · high-ratio 3.65 | 3.95% | special | source |
| Tangerine | 5-yr variable | 4.00% | special | source |
| BMO | 5-yr variable · amortization ≤25y | 4.10% | special | source |
| CIBC | 5-yr variable · high-ratio flex 3.95 | 4.10% | special | source |
| National Bank | 5-yr variable | 4.10% | special | source |
| First National | 5-yr variable · prime − 0.26 · insured 3.70 | 4.19% | posted | source |
| TD | 5-yr variable · TD prime − 0.36 | 4.24% | special | source |
| Scotiabank | 5-yr variable · Flex Value | 4.90% | posted | source |
These are national offers — the same rates apply to Yukon buyers. Advertised special-offer rates for standard residential mortgages, read at each lender's own page. Insured (high-ratio) pricing is typically lower than uninsured; many lenders only advertise one. Brokers and smaller lenders frequently beat every rate in this table.
Closing costs in Yukon
Verified · June 12, 2026Yukon charges no land transfer tax. Buyers pay registry fees by value band, ranging from $50 to $750, plus an assurance-fund fee based on the increase in value since the last transfer.
Because the registry fee is a flat band rather than a percentage, it stays small even on higher-value homes. The worked examples below show the registry fee; the assurance-fund fee depends on prior-transfer history and is not modeled here.
| Purchase price | Total registration fee |
|---|---|
| $500,000 | $350 |
| $800,000 | $350 |
| $1,000,000 | $350 |
These are computed registration fees, not a percentage transfer tax — which is why Yukon stays inexpensive to close. For an exact figure on your own price — including first-time-buyer relief — use the land transfer tax calculator.
First-time buyer help
Yukon has no land transfer tax, so there is no first-time-buyer transfer tax rebate — none is needed. The registry fee is the same modest band-based amount for every buyer.
Good to know
- Yukon charges no land transfer tax — only registry fees by value band, $50 to $750.
- An additional assurance-fund fee applies, based on the value increase since the last transfer; it is not modeled in the examples below.
- CMHC pegs total closing costs at roughly 1.5%–4% of the purchase price; Yukon buyers usually land at the low end.
- Budget for legal fees, title insurance and an inspection alongside the registry fee.
Run the numbers for Yukon
Rates are national; your closing cost is local. Calculate exactly what you'll pay.
Frequently asked questions
Are mortgage rates different in Yukon?
No. Canadian mortgage rates are national — lenders quote the same five-year fixed or variable rate in Yukon as anywhere else. The verified offers above apply to Yukon buyers exactly as they do across the country. What differs is the closing cost, which in Yukon is a registry fee rather than a transfer tax.
Does Yukon have a land transfer tax?
No. Yukon charges registry fees by value band, ranging from $50 to $750, plus an assurance-fund fee based on the increase in value since the last transfer. There is no percentage transfer tax, so Yukon is among the cheapest jurisdictions in Canada to close on a home.
Do first-time buyers get relief in Yukon?
There is no first-time-buyer transfer tax rebate because there is no land transfer tax. Every buyer pays the same band-based registry fee, plus the assurance-fund fee. With no transfer tax, Yukon stays inexpensive to close.
What is the assurance-fund fee in Yukon?
On top of the registry fee, Yukon charges an assurance-fund fee based on how much the property value has increased since the last transfer. Because it depends on prior-transfer history, it is not included in the worked examples below — ask your lawyer to estimate it for your specific property.
Educational content, not financial advice or a rate guarantee. Mortgage rates are national; lender specials were read at each lender's own page on the stamped date and change without notice. Land transfer tax brackets, rates and rebates verified June 12, 2026 at official government sources and computed by RetireSmarter's land-transfer-tax engine — always confirm your exact figure with your lawyer or the relevant authority before closing.