Get pre-approved for a 1.99% (2.02% APR) 5-yr mortgage + up to $1,500 cash back

If your mortgage value is over $300,000 you will get $1,500 cash back. If your mortgage value is from $200,000-$299,999 you will get $1,000 cash back.

Yes, this offer is exclusive only to select mortgages with our standard client rates, but ATB has all kinds of options built to suit a variety of needs and circumstances. Connect with us to find the perfect mortgage for you.

Just apply for a select 5-year mortgage with the standard client rate, or switch your existing mortgage to ATB from another financial institution. The mortgage must be for your primary residence, in an amount of $200,000 or more, and be approved and fully advanced by October 31, 2024.  

Reach out to us to get started.

Mortgage pre-qualification is the first step to pre-approval. It helps you figure out approximately how much you’ll be able to borrow and how much you’ll need for a down payment and closing costs. The mortgage provider won’t review your credit report or verify your financial information when pre-qualifying you. Instead, they’ll estimate how much you might eventually be approved for based on an overview of your finances including your income, assets and debts.

A pre-approval means that a mortgage provider does some of the initial background checking in advance and commits to give you a specific interest rate if you’re fully approved for a mortgage within 120 days. You’ll want to decide on a mortgage provider before starting the pre-approval process—where the negotiation process (for that promised interest rate) begins.

When should you seek pre-approval?
Luckily, it’s a simple process—just one form to fill out and having your income verified. If everything looks good, you should be granted pre-approval within 24 hours. Pre-approved interest rates apply for a set amount of time. With ATB, it’s 120 days for a resale or 180 for a new build. With other financial institutions, the rate holds anywhere between 90-120 days.

You bet you can. Just reach out to us to get the ball rolling. We're available online, by phone and in-person to guide you at every stage of your home buying journey.

Sorry, no. The cash and lowest rate offers are for primary residences only but we do have other mortgage options that work for a secondary residence. Reach out to us for more info.

We’ll deposit your bonus within 60 days following the funding of the mortgage. You’ll need a personal ATB deposit account to make pre-authorized mortgage payments in order to receive the cash incentive.

Ready to lock in the offer? Get your pre-approval started.