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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.

You don’t have to know a guy to get the best mortgage rate. You just have to talk to us.

With our Clear-Cut Mortgage Rates and Best Mortgage Rate Guarantee, you don’t have to be a savvy negotiator to get the best rate on the market for a five-year, closed, fixed or variable-rate mortgage vs. the big banks.1

Visit your local branch or call 1-800-332-8383 to learn more.

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.

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.​

1 We have a few small details to tell you. First, the Best Mortgage Rate Guarantee only applies to our Extreme Discount 5-year closed fixed-rate mortgage and our 5-year closed variable-rate mortgage against comparable mortgages at the big 5 banks. And though we always approve of you, we do require approved credit, too. Finally, this offer applies to residential mortgages, and though our love for you is unconditional, this offer is not, so it's subject to change at any time.

 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.