Our best mortgage offer
Enjoy a low 1.99% (2.02% APR) rate on a 5-yr fixed mortgage plus up to $1,500 cash back.
There’s more to a mortgage than a great rate.
How our cash back kicks in
$1,000 on mortgages of $200,000-$299,999
$1,500 for mortgages over $300,000
If you see a higher cash back offer out there, it likely comes with a higher interest rate on a higher mortgage amount, too.
Advice and answers every step of the way
Getting a mortgage is a big deal, it’s okay to have big questions. Explore our FAQs for everything you need to know about how to qualify for this limited time offer.
The fine print in large font
Yes, but as you would imagine, ATB has all kinds of mortgages to suit all kinds of needs and circumstances. Connect with us to find the perfect mortgage for you.
Just apply for a new 5-year closed fixed mortgage at 1.99% (2.02% APR), or switch your existing mortgage over to ATB from another bank. The mortgage must be for your primary residence, in an amount of $200,000 or more, and be approved and fully advanced by September 30, 2021 (because that’s when the offer ends). Reach out to us to get the ball rolling.
That’s two FAQs but we’ll address them both here in the difference between pre-qualification and pre-approval. Ready to take the first step? Get your pre-approval started.
You bet you can! Just reach out to us to get the ball rolling. But do it soon, this great offer ends September 30, 2021.
Sorry, no. This offer is 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 happily deposit the $1,000 or $1,500 within 60 days following the funding of the mortgage. You’ll need a personal ATB deposit (chequing or savings) account to make pre-authorized mortgage payments from in order to receive the cash incentive. Ready to lock in the offer? Get your pre-approval started.
Looking for more mortgage options?
If you have 5-20% saved up for a down payment, start here.
Designed for a down payment as low as 5%, this mortgage makes it possible to invest in real estate or purchase a second home sooner than you might expect!
Have 20% or more for a down payment? Read on.
Whether you're buying an investment property, a vacation home, or a new home, if you have a down payment of at least 20%, this mortgage is your best choice.
This offer is available for eligible residential mortgage loans for new purchases, or straight transfer-in mortgage loans to ATB from another financial institution. The mortgage must be approved and fully advanced by September 30, 2021. Offer is valid for owner-occupied primary residence.
Mortgage loan must have a principal amount of $200,000 or more and with our 5-year ATB Closed Fixed Rate Mortgage loan. A personal ATB deposit account to make pre-authorized mortgage payments is required in order to receive the cash incentive. The cash incentive will be deposited into this personal ATB deposit account within 60 days of the mortgage being fully advanced.
Qualifying clients will receive:
- $1,500 on a mortgage loan amount of $300,000 or more;
- $1,000 on a mortgage loan of $200,000 to $299,999.
Offer begins March 17, 2021 and ends September 30, 2021. Rates are subject to change without notice. Residential mortgage loans are subject to standard lending criteria and credit approval. Offer may change or be withdrawn at any time without notice.
Rate displayed for each term is Annual Percentage Rate (APR) and 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.
The interest for fixed rate mortgages is calculated semi-annually, not in advance.
Limit of one (1) Cash Incentive offer per mortgage. Clients who obtain a joint ATB Mortgage will only qualify to receive one (1) Cash Incentive offer.