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Whether you’re building a good credit rating or a house, borrowing can be the smartest way to get ahead.

Helpful ATB experts and fair interest rates can help you make the most of every dollar you borrow—and pay it back in a way that you’re comfortable with.

ATB Mortgages

Closed Fixed-Rate Mortgages
Rest easy knowing exactly what your payments will be, and how much of the mortgage will remain at the end of your term.

Open Fixed-Rate Mortgages
Enjoy the security and stability of a fixed-rate mortgage with the flexibility of paying off your mortgage at any time without penalty.

Variable-Rate Mortgages
Make consistent payments over the term of your mortgage while possibly reaping the benefits of fluctuating interest rates—which have historically been lower than fixed rates.

ATB Loans and Lines of Credit

Personal Loan
Borrow a specific amount of money to repay over a specific period of time.

Home Equity Line of Credit
Take advantage of the equity you've built in your home through a flexible, low-cost revolving line of credit.

Personal Line of Credit
Set up a limit that you're comfortable with and get easy access to money when you need it.

Students First Line of Credit
Borrow up to $10,000 per academic year at a preferred interest rate.

Apprenticeship Line of Credit
Get off to a great start with this low-interest way to pay for tuition, tools, and other costs.

Investment Loans
Borrow money to help you make all or part of your annual RRSP contribution or to catch up on unused RRSP contributions from past years.

Overdraft Protection
Have peace of mind knowing that your day-to-day expenses will be covered, even if your account balance isn't quite enough.​


 Learn more about borrowing

  • Did you know?

    If you have a closed-term mortgage, it can be difficult (and expensive) to make extra payments, pay off your mortgage early, or switch lenders.
    That's often because of mortgage prepayment restrictions and penalties. Here are some ways you can avoid (or lower) your prepayment penalty.