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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.


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​Best Mortgage Rate Guarantee

Until October 31, 2017, we’ll match any of Canada's big five national banks' published or advertised rates for 3, 4, 5 or 7-year closed fixed rate mortgages, or 5-year closed variable rate mortgages.*

​Earn up to $1,750 in bonus cash

Until October 31, 2017, open a new, or switch your existing insured mortgage to ATB and earn up to $1750 in bonus cash.**

Apply now


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Featured Mortgages1

Closed Fixed-Rate Mortgages2

Mortgage Term:Current Rate:
1 year2.99%
2 years2.39%
30 month2.49%
3 years2.51%
4 years2.64%
5 years - Extreme Discount2.79%
5 years2.79%
7 Years High Ratio Insured2.89%
7 Years Conventional3.14%

Open Fixed-Rate Mortgages2

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

Open Variable-Rate Mortgages3

All Term Rates
Mortgage Term:Current Rate:
All Term Rates 3.85%

1-800-332-8383

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.​

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 on July 13, 2017 is 2.95%.

*We have a few details to tell you about. First, the Best Mortgage Rate Guarantee applies only to rates posted on websites of Canada’s big five national banks for residential 3, 4 and 5-year closed fixed rate mortgages and 5-year closed variable rate 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 October 31, 2017. This offer may be changed, withdrawn or extended at any time, without notice.

**Get a new closed mortgage with a minimum 3 year term, and maximum 25 year amortization between July 15 and October 31, 2017 (inclusive) and receive a cash bonus. The mortgage must be insured by CMHC, Genworth or Canada Guaranty and have all funds advanced on or before October 31, 2017. Only new ATB customers with mortgages for primary, owner-occupied primary residences are eligible. Renewals are not eligble. Mortgage payments must be set up through an ATB deposit account. Cash bonuses are based on the total value of the mortgage. For mortgages of $100,000 - $249,999 receive a $750 cash bonus, for mortgages of $250,000 - $499,999 receive a $1,250 cash bonus, and for mortgages of $500,000 or greater receive a $1,750 cash bonus. Tax implications may apply with the cash bonus. Please consult your tax advisor with regard to your personal tax situation.

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