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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.


Featured Mortgages

APR

APR

APR

Closed Fixed-Rate Mortgages

APR
APR
APR
APR
APR
5 years APR
7 Year High Ratio Insured APR
APR
APR

Open Fixed-Rate Mortgages

APR
APR
APR

Open Variable-Rate Mortgages

APR
APR
APR

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Start the conversation with an ATB Mortgage Expert

The interest rate is the cost of borrowing the principal mortgage loan amount. The APR (also known as Annual Percentage Rate) is a broader measure that takes into account all of the costs of your mortgage loan. It includes the interest rate, broker fees, discount points and any other charges you have to pay to get your mortgage loan. For that reason, your APR is usually higher than your interest rate.


 

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.​

Disclaimer

Please note: Rates are subject to change without notice. Interest rates shown are either fixed rates or variables rates. Fixed interest rates shown are annual interest rates, calculated semi-annually, not in advance. Variable interest rates are annual interest rates, calculated monthly, not in advance and are based on ATB’s Prime Rate which can change at any time without notice. The Prime Rate is 3.20% effective September 7, 2017. ​ Annual Percentage Rate (APR) is based on a mortgage of $250,000 with monthly payments of a 25 year amortization, and assuming a processing fee of $250 (such as the cost of determining the value of the property). If there are no processing fees, the APR and interest rate will be the same.

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