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Mortgage Rates

​With ATB’s No Bull Mortgages, what you see is what you get. That’s because we’ve stopped the common practice of posting inflated mortgage rates. You can say goodbye to negotiating and guessing—you can find the real, current rates on this page, every day.

Learn why No Bull Mortgages are good for you now—and even better down the line


Purchasing a primary residence?​

Featured Mortgages1

Closed Fixed-Rate Mortgages2

Mortgage Term:Current Rate:
1 year3.09%
2 years3.19%
30 month3.24%
3 years3.34%
4 years3.39%
5 years - Extreme Discount3.54%
5 Year Closed Fixed-Rate Mortgage3.54%
7 Year High Ratio Insured Mortgage3.59%
7 Years Conventional3.99%
7 Year Cashback5.04%

Open Fixed-Rate Mortgages2

Mortgage Term:Current Rate:
6 months4.50%
1 year4.50%
2 years4.50%

Open Variable-Rate Mortgages3

6 months
Mortgage Term:Current Rate:
6 months4.45%
1 year4.49%
2 year4.49%


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. ​2 Offers may be changed, withdrawn or extended at any time without notice. Interest rates shown are annual interest rates, compounded semi-annually not in advance. Rate are subject to change at any time without notice.Interest 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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