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Mortgage Rates

Purchasing a primary residence?

View all the current ATB mortgage rates. Featured, closed fixed-rate, open fixed-rate and open variable-rate mortgages. Our no bull mortgage rates are fair for everyone – no negotiating or inflated prepayment penalties.

Ready to shop mortgages ​​​​​​​​​​​​

Limited time offer: Best Mortgage Rate Guarantee

We’re offering Albertans the guaranteed best mortgage rate so you can focus on finding the right home for you—at a rate you can live with. Until June 30, 2017, we’ll match any of Canada's big five national banks' published or advertised rates for 3, 4 or 5-year closed fixed rate mortgages, or 5-year closed variable rate mortgages.*


Featured Mortgages1

Closed Fixed-Rate Mortgages2

Mortgage Term:Current Rate:
1 year2.99%
2 years2.39%
30 month2.49%
3 years2.36%
4 years2.49%
5 years - Extreme Discount2.69%
5 years2.69%
7 years4.64%

Open Fixed-Rate Mortgages2

Mortgage Term:Current Rate:
6 months4.10%
1 year4.10%
2 years4.10%

Open Variable-Rate Mortgages3

All Term Rates
Mortgage Term:Current Rate:
All Term Rates 3.60%


Start the conversation with an ATB Mortgage Expert


Refinancing your mortgage?

Add a premium of 0.25% to the above interest rates.


Mortgage for a vacation home, investment property or other secondary property?

Add a premium of 0.25% to the above interest rates.

Our interest rate differential (IRD) calculation is based on the actual rates posted here.​


Please note: Rates are provided for information purposes only and are subject to change without notice. Rates are updated as new information becomes available.​​​​​​​​​​

1Interest rates shown are either a fixed rate or variable rate, are special discounted rates and are not ATB’s posted interest rates.
2Offers may be changed, withdrawn or extended at any time without notice.
3Interest rates shown are annual interest rates, compounded semi-annually not in advance. Rates are subject to change at any time without notice.
4Interest rates are annual rates compounded monthly not in advance. Rates are variable rates based upon ATB’s prime rate and will change at the same time ATB’s prime rate changes. Rates are subject to change at any time without notice.

*We have a few small details to tell you about. First, the Best Mortgage Rate Guarantee applies only to rates posted on qualified competitor’s websites for residential 3, 4 and 5-year closed fixed rate mortgages and our 5-year closed variable mortgage. The mortgage must be for a primary, owner-occupied residence. And though we always approve of you, we do require approved credit, too. To take advantage of this offer, apply by June 30, 2017. This offer may change at any time.

2016 ATB Financial. All rights reserved. ®ATB Financial is a trade name/registered trademark of Alberta Treasury Branches.