Our best mortgage offers

Want more with your mortgage? We have two offers for you to get a little extra, whether that’s cash back or our lowest available rate.

Talk to an expert

Switch to ATB offer

Unlock up to $7,500 in cash & value when you switch your mortgage to ATB.

New mortgage offer

Unlock up to $6,000 in cash on select mortgages or our lowest rate on a 5-year ATB Rate First mortgage.

Our featured rates

Term Residential Mortgage Rate First Residential Mortgage
5 Year High Ratio 4.29% 4.19%
5 Year Conventional 4.74% 4.64%
5 Year Variable High Ratio 4.05% N/A
5 Year Variable 4.45% N/A

The difference between a high ratio and conventional mortgage lies in the down payment amount and the requirement for mortgage default insurance.

A high ratio mortgage requires a down payment of less than 20% of the home's purchase price (between 5% and 19.99%). In Canada, it's mandatory to purchase mortgage default insurance for high ratio mortgages.

A conventional mortgage requires a down payment of 20% or more of the home's purchase price. Mortgage default insurance is not typical for conventional mortgages.

An ATB Residential Mortgage provides flexible terms from 6 months to 7 years, with both fixed and variable rate options. You can make lump sum payments and increase payments of up to 20% of the original mortgage amount per year. With this mortgage, you have the ability to skip payments and refinance.

An ATB Rate First Residential Mortgage is our lowest rate mortgage, for a 5-year fixed term. You can make lump sum payments and increase payments of up to 10% of the original mortgage amount per year. With this mortgage, skipped payments and refinancings are not offered.

Ready to get started with an ATB mortgage?

Connect with a mortgage expert.

Make your next move.

I want to buy my first home.

Learn everything you need to know about buying your first home in Alberta.

I want to buy my next home.

Whether your next home is a new forever home, an investment property, or your dream vacation destination, an ATB mortgage can help.

I want to switch to ATB.

Find out how and why to switch your mortgage to ATB. Our dedicated team of experts will make the process simple and easy.

I want to build on my property.

Grow your space and expand your possibilities with in-law suites, residential shops and more with help from ATB.

I need a mortgage loan.

Finding the right mortgage starts with understanding your options.

I need a line of credit.

A home equity line of credit (HELOC) can provide the funds you need to reach a goal or manage an emergency.

Need help?

Our Client Care team will be happy to assist.